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.
Short-term loan—usually 6 to 24 months
Used for property acquisitions, quick closings, or renovations
Often interest-only payments during the term
Based on asset value, not borrower’s income
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.
Lease-ups
Foreclosure purchases
Discounted payoffs
Construction loan take-outs
Rehabilitation
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 |