BRIDGE / SHORT-TERM LOANS

A bridge loan buys time. When the deal is real but the permanent financing is not ready, bridge capital funds the gap and gets repaid when the sale closes, the refinance funds, or the property stabilizes. It is expensive money with a short life and one specific job.

LET'S BUILD YOUR FUTURE

OVERVIEW

What Is a Bridge / Short-Term Loan?

A bridge loan is temporary financing against a known event. You need money now, and the money that repays it arrives later: a closing, a refinance, a lease-up, a receivable.

That is the whole design. Bridge terms run short, usually 1 – 3 years maximum, because the loan is supposed to disappear. It is not a way to fund operations, and using it that way is how borrowers end up refinancing a bridge with another bridge.

BRIDGE CAPITAL FITS A NARROW SET OF SITUATIONS:

Common Use Cases

A property purchase that will not wait for bank timelines

Covering the gap until a sale or permanent financing closes

A VALUE-ADD PROJECT THAT HAS TO STABILIZE BEFORE REFINANCING

A business transition or restructure

Where speed matters more than rate

THE FORM DEPENDS ON WHAT SECURES IT.

Types of Bridge / Short-Term Financing

REAL ESTATE BRIDGE LOANS FUND PROPER

Real estate bridge loans fund property a permanent lender will not touch yet: low occupancy, deferred maintenance, a story that needs a year to turn into numbers. The bridge lender underwrites where the property is going, not where it is.

BUSINESS BRIDGE LOANS

Business bridge loans fund at the entity level. They cover ownership changes, restructures, and interim needs where the business has a defined event coming and needs capital before it arrives.

ASSET-BASED SHORT-TERM LOANS

Asset-based short-term loans are secured by specific collateral: equipment, inventory, receivables. When the asset is strong and the need is temporary, the collateral does the underwriting and the deal moves fast.

Key Considerations Before Applying

The exit is the deal. Before you take a bridge, be able to name what repays it, when, and what happens if that event slips 90 days. If you cannot answer that, you do not have a bridge. You have a problem with a due date.

The cost is real. Bridge money prices well above conventional and often carries points and an exit fee. That is the price of speed. It is worth paying when timing is the constraint, and it is just expensive when it is not.

LET'S BUILD YOUR FUTURE

HOW DOES IT WORK?

How We Help

We pressure-test the exit before we source the loan. If the takeout does not hold up, we say so, because the worst outcome here is expensive capital with nothing on the other side of it.

When the exit is solid, we go to lenders who move at the speed the deal needs and who understand the asset. We work the file through closing and stay on it through the takeout, because the bridge is only half the job.

WHAT’S NEXT?

Contact Us

A bridge is only as good as what is on the other side of it. Plan the exit first, then borrow. Tell us the event you are bridging to and we will tell you whether the numbers work.

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