Bridge Loans
Close the Deal Now — Secure Permanent Financing Later
Fast, flexible bridge loans for commercial real estate and business needs. Close in as little as 7–14 days with asset-based approval and interest-only payments.
When Is a Bridge Loan the Right Solution?
Bridge Loan Features
Fast Closings
Close in as little as 7–14 days. Ideal for time-sensitive deals.
Flexible Underwriting
Asset-based approval — credit challenges considered.
Interest-Only Payments
Preserve cash flow during the bridge period with interest-only structures.
Short Terms
6 to 36-month terms designed to bridge to permanent financing.
High LTV Available
Up to 75–80% LTV on qualifying commercial properties.
No Prepayment Penalty
Many programs allow early payoff without penalty when your long-term financing closes.
Bridge Loan FAQs
What is a bridge loan?
A bridge loan is short-term financing that "bridges" the gap between an immediate funding need and a longer-term solution. In real estate, it's commonly used to acquire or stabilize a property before securing permanent financing.
How fast can a bridge loan close?
Bridge loans are designed for speed. Many close in 7–14 days. Because they're asset-based, the approval process is faster than conventional loans that require extensive income documentation.
What are typical bridge loan terms?
Bridge loans typically range from 6 to 36 months with interest-only payments. Rates are higher than conventional loans to reflect the short-term, flexible nature of the product.
Can I get a bridge loan with bad credit?
Yes. Bridge loans are primarily underwritten based on the asset value and deal structure — not personal credit scores. Borrowers with credit challenges can often qualify if the property and deal make sense.
What is the difference between a bridge loan and hard money?
The terms are often used interchangeably. Both are short-term, asset-based loans. "Hard money" typically refers to private lender financing, while "bridge loan" is a broader term that includes both private and institutional short-term lending.
Don't Let Timing Kill Your Deal
Apply today or call Gary Hughey to discuss your bridge loan needs and get a fast term sheet.