Hard Money Loans

Bridge Loans for Short-Term Financing Needs

A bridge loan is a short-term financing solution used to “bridge the gap” between an immediate funding need and a more permanent or long-term financing option. In real estate, investors often use bridge loans to quickly purchase or refinance a property while waiting for long-term financing or the sale of another property.

Hard Money Loans - Peach Tree Capital

Short-term loan—usually 6 to 24 months

Hard Money Loans - Peach Tree Capital

 Used for property acquisitions, quick closings, or renovations

Hard Money Loans - Peach Tree Capital

Often interest-only payments during the term

Hard Money Loans - Peach Tree Capital

Based on asset value, not borrower’s income

Hard Money Loans - Peach Tree Capital

Repaid through sale, refinance, or permanent loan

Allowable Improvements

A bridge loan provides fast, short-term capital for real estate investors who need to act quickly—whether buying, refinancing, or preparing a property for long-term financing or sale. It’s a flexible solution to keep deals moving forward without delays.

Hard Money Loans - Peach Tree Capital

Lease-ups

Hard Money Loans - Peach Tree Capital

Foreclosure purchases

Hard Money Loans - Peach Tree Capital

Discounted payoffs

Hard Money Loans - Peach Tree Capital

Construction loan take-outs

Hard Money Loans - Peach Tree Capital

Rehabilitation

Hard Money Loans - Peach Tree Capital

Opportunistic acquisitions

Hard Money Loan Program

Terms & Property Guidelines

Purpose Purchase, Refinance, Cash Out
Collateral Multifamily 5+, Mixed-Use, Retail, Office, Light Industrial, Mobile Home Park, Watehouse, Self-Storage
Guarantors US Citizens, Permanent Residents, Foreign Nationals
FICO 700
Experience New and Seasoned Investors
Term 3-year (6-month extensions)
2-year (6-month extension)
LTV Up to 755LTV as stabilized
Min Loan Amount $1MM
Max Loan Amount $5MM
Amortization Options Interest Only
Interest Reserves 12-18 months
Prepayment penalty 12-24 months, based on loan term