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Bridge Financing

We offer short-term bridge financing for real estate investors who need to purchase, refinance, or reposition a property without waiting for traditional long-term financing. With interest-only payments, no prepayment penalty, and no reserve requirement, this program provides investors with the financing needed to execute a property strategy and repay the loan when the asset is sold, or permanent financing becomes available.

Bridge Loan Program Highlights

  • Loan amounts from $250,000 to $5 million
  • Maximum 75% loan-to-value
  • 24-month loan term
  • Interest-only monthly payments
  • No prepayment penalty
  • No reserves required
  • Minimum 675 FICO score
  • Designed for real estate investment transactions
  • Short-term financing for qualifying properties

What Is a Bridge Loan?

A bridge loan is short-term financing that provides capital during the period between a property acquisition and a future financial event. Instead of requiring the property to meet the standards of a long-term lender immediately, bridge financing gives the investor time to execute a defined business plan.

  • Selling the property
  • Completing renovations
  • Stabilizing occupancy
  • Increasing rental income
  • Obtaining permanent financing
  • Refinancing into a DSCR loan
  • Refinancing into conventional commercial financing

24-Month Interest-Only Term

This bridge financing program offers a 24-month term with interest-only payments. During the loan term, the borrower pays interest on the outstanding principal without making scheduled principal reductions. Interest-only payments can help reduce monthly carrying costs while the investor improves, leases, stabilizes, or markets the property. The remaining principal balance becomes due when the property is sold, refinanced, or the bridge loan reaches maturity.

Financing Up to 75% LTV

  • Property value
  • Purchase price
  • Property condition
  • Borrower credit
  • Transaction type
  • Proposed use of funds
  • Strength of the exit strategy
  • Current lender guidelines

No Prepayment Penalty

Real estate timelines can change quickly. A property may sell sooner than anticipated, renovations may finish ahead of schedule, or permanent financing may become available before the end of the bridge term. Because this program does not carry a prepayment penalty, borrowers can repay or refinance the loan early without an additional penalty. This provides greater control over the property’s exit timeline and overall financing costs.

No Reserve Requirement

  • Property improvements
  • Closing costs
  • Leasing expenses
  • Operating costs
  • Other real estate investments
  • Unexpected project expenses

Bridge Financing 

  • Time-sensitive property acquisitions
  • Properties requiring renovation
  • Vacant or partially occupied properties
  • Buildings undergoing lease-up
  • Properties that do not yet qualify for permanent financing
  • Investors awaiting the sale of another property
  • Short-term refinance transactions
  • Acquisitions requiring a fast or flexible closing

A Clear Exit Strategy Is Essential

Bridge financing is temporary. Before approving a loan, the lender will want to understand how the borrower expects to repay the balance within the 24-month term. A strong exit strategy may involve selling the property after improvements, refinancing once occupancy stabilizes, or converting the bridge loan into longer-term DSCR or commercial financing. PrivateMoneyFinancing.com can review both the immediate bridge request and the anticipated permanent financing strategy.

Contact us to discuss your property and exit strategy.