What is a bridge loan?

A bridge loan is short-term CRE financing, typically 12-36 months. It covers the gap between acquisition or renovation and permanent financing. Bridge lenders focus on the property's potential value, not just current income.

What LTV can I get on a bridge loan?

Most bridge lenders go up to 75-80% of as-is value or 65-70% of after-renovation value. Some debt funds push to 85% LTV for strong sponsors. Higher leverage means higher rates - expect to pay 100-200bps more above 75% LTV.

How fast can a bridge lender close?

Bridge lenders close in 2-4 weeks. Some hard money bridge lenders close in 7-10 days for clean deals. Speed depends on appraisal turnaround, environmental reports, and title work. Pre-approved borrowers close faster.

What are typical bridge loan rates?

Bridge rates run SOFR + 300-600bps for institutional sponsors with stabilized assets. Value-add deals price at SOFR + 450-700bps. Ground-up construction bridges run SOFR + 600-900bps. Origination fees range from 1-2 points.

When should I use bridge instead of agency?

Use bridge when your property isn't stabilized (below 90% occupancy), needs renovation, has a hard close under 45 days, or doesn't qualify for agency. Bridge buys you time to execute a business plan before refinancing into permanent debt.

Bridge Lenders

82 bridge lenders in the directory. Short-term financing for value-add, transitional, and time-sensitive deals.

			Website	Phone
Accolend	Bridge	-	accolend.com	(201) 817-3247
Altaloans	Bridge	-	altaloans.com	(786) 882-0937
Alto Capital	Bridge	-	altocapital.com	(786) 756-7875
American Lending Center	Bridge	TX	americanlendingcenter.com	(562) 449-0139
BaySierra Financial, Inc.	Bridge	-	baysierra.com	(707) 691-3487
Bloomfield Capital	Bridge	MI	bloomfieldcapital.com	(877) 690-7111
Blue-inc. Capital	Bridge	-	blue-inc.com	(541) 802-7899
Bridge Commercial Capital, LLC	Bridge	-	bridgecommercialcapital.com	(469) 402-6967
Builders Capital	Bridge	-	builderscapital.com	(253) 285-7638
Capital Fund 1, LLC	Bridge	-	capitalfund1.com	(480) 210-6303
Capital Funding Financial	Bridge	-	capitalfunding.com	(561) 821-7186
Casa Lending	Bridge	-	casalending.com	(216) 395-3762
Center Street Lending	Bridge	-	centerstreetlending.com	(949) 403-6763
Certain Lending	Bridge	-	certainlending.com	(206) 451-1455
Cetan Funds, LLC	Bridge	CE	cetanfunds.com	(541) 802-7883
Churchill Real Estate	Bridge	NY	churchillre.com	(646) 517-5353
Clear Sky Financial	Bridge	-	cskyfinancial.com	(571) 427-0367
Coastal Equity Group	Bridge	-	coastalequitygroup.com	(843) 737-0182
Constructive Capital	Bridge	IL	constructiveloans.com	(331) 267-6843
Conventus	Bridge	-	cvlending.com	(415) 449-4998
CR Lending	Bridge	-	crlend.com	(469) 694-2354
Crosby Capital USA	Bridge	-	crosbycapitalusa.com	(786) 783-4303
Crossroads Investment Lending	Bridge	-	crossroadsinvestmentlending.com	(913) 351-4777
Diya Finance	Bridge	-	diyafinance.com	(720) 729-9755
Dunmor	Bridge	-	dunmor.com	(213) 772-5493
Express Capital Financing	Bridge	NY	expresscapitalfinancing.com	-
F2 Finance LLC	Bridge	-	f2finance.com	(310) 402-0931
Finance of America Commercial	Bridge	TX	focl.com	(436) 592-0482
First Bridge Lending	Bridge	-	firstbridgelending.com	(707) 504-0890
George Smith Partners	Bridge	CA	gspartners.com	(310) 557-8336
Groundfloor Lending	Bridge	-	lending.groundfloor.com	(404) 334-8802
GW Private Capital, Inc.	Bridge	-	gwprivatecapitalinc.com	(562) 317-7235
HD Lending, LLC	Bridge	-	hd-lending.com	(480) 631-9318
IceCap Group	Bridge	-	icecapgroup.com	(646) 687-1812
Intrust Funding	Bridge	-	intrustfunding.com	(425) 842-2462
Juniper Capital	Bridge	CO	junipercapital.com	(480) 840-8414
Karpe Real Estate Center	Bridge	CA	karpe.com	(661) 481-7900
KECO Capital, LLC	Bridge	LL	kecocapital.com	(808) 500-7398
Kennedy Funding Financial	Bridge	NJ	kennedyfunding.com	-
Kiavi	Bridge	CA	kiavi.com	(415) 754-7829
Ladder Capital	Bridge	NY	laddercapital.com	(212) 715-3170
LoanCore Capital	Bridge	CT	loancore.com	(415) 284-8444
LoanEdge	Bridge	-	loanedge.com	(408) 785-7844
Madison Realty Capital	Bridge	NY	madisonrealtycapital.com	-
Malve Capital LLC	Bridge	-	malvecapital.com	(516) 990-6943
Maxim Capital Group	Bridge	NJ	maximcapitalgroup.com	(212) 327-2555
MF1 Capital	Bridge	NY	mf1capital.com	-
MidCap Financial	Bridge	MD	midcapfinancial.com	(301) 760-7600
Navigator Private Capital	Bridge	-	gonavcap.com	(888) 444-3160
North Oak Investment	Bridge	-	northoakinvestment.com	(816) 237-5451
Peachtree Group	Bridge	GA	peachtreegroup.com	(416) 666-6666
Pimlico Capital	Bridge	-	pimlicogroup.com	(443) 233-0942
Prime Finance	Bridge	GA	primefinance.com	-
Private Money Funding	Bridge	-	hardmoneyarizonalenders.com	(480) 685-9949
Property Flip Loan	Bridge	-	propertyfliploan.com	(443) 363-0278
Rain City Capital	Bridge	WA	raincitycapital.com	(425) 532-5838
RCN Capital	Bridge	CT	rcncapital.com	(860) 787-8262
ReadyCap Commercial	Bridge	NY	readycapital.com	(773) 441-7290
Residential Capital Partners	Bridge	-	residentialcapitalpartners.com	(469) 829-7961
ROK Lending	Bridge	ON	linkedin.com	(646) 552-7701
Rubicon Mortgage Fund, LLC	Bridge	LL	rubiconmortgagefund.com	(925) 318-7128
Sabal Financial Group	Bridge	CA	sabal.com	(949) 255-2699
SDC CAPITAL	Bridge	CA	sdcfinance.com	(747) 349-2004
Security Financial Services	Bridge	00	secfin.com	(415) 475-2770
Sherman Bridge Lending	Bridge	TX	shermanbridge.com	(866) 376-4876
Silverstein Capital Partners	Bridge	NY	silversteinproperties.com	(669) 682-7729
SimpleCREDIT	Bridge	-	simpleciti.com	(516) 842-9321
Soviero Capital LLC	Bridge	-	sovierocapital.com	(561) 834-6864
Stabilitas Capital	Bridge	FL	stabiliscap.com	(212) 256-8970
Stonecrest Financial	Bridge	-	stonecrestfinancial.net	(408) 831-7649
Stormfield Capital, LLC	Bridge	-	stormfieldcapital.com	(203) 793-6569
Sun West Mortgage	Bridge	CA	swmc.com	-
Terra Property Trust	Bridge	NY	terrapropertytrust.com	(212) 753-5100
Texas Equity Lending	Bridge	-	texas-hardmoney.com	(210) 871-1411
Trevian Capital	Bridge	IL	treviancapital.com	(847) 347-3000
Unitas Funding LLC	Bridge	-	unitasfunding.com	(904) 526-8471
Velocity Mortgage Capital	Bridge	CA	velocitymortgage.com	(888) 822-3304
Versara Capital	Bridge	-	versaracapital.com	(480) 771-7853
Wilshire Finance Partners	Bridge	CA	wilshirefinancepartners.com	(866) 575-5070
Wilshire Quinn Capital, Inc.	Bridge	-	wilshirequinn.com	(619) 329-9895
Yieldi	Bridge	-	yieldi.com	(678) 990-9672
ZINC Financial	Bridge	BU	zincfinancial.com	(888) 782-0352

Bridge Lending FAQ

What is a bridge loan?

What LTV can I get on a bridge loan?

How fast can a bridge lender close?

What are typical bridge loan rates?

When should I use bridge instead of agency?