Building Without Breaks Cascara's Bridge Loans Keep Construction Moving

Our bridge loans

Need working capital between construction phases? Our bridge loans (also known as swing loans) provide fast, short-term financing when your build schedule can't wait. Don't let funding gaps delay your projects — Cascara delivers flexible bridge financing that keeps your crews working and your builds moving forward.

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Short-Term Financing for Construction Continuity

A young man gestures enthusiastically with a clipboard, conversing with a smiling couple. They stand in front of a large brick house with white-framed windows.
Cascara’s bridge loans are designed for builders who need to keep projects on track while waiting for longer-term financing or project milestones. Whether you’re funding site preparation before vertical financing kicks in, or managing cash flow between multiple builds, our short-term construction loans provide the quick capital you need to keep moving.
We know that in construction, delays cost money. That’s why we’ve built a bridge loan program that delivers funding in days, not months — with terms that align with your construction schedule, not a rigid lending playbook.

Why our Bridge Loans Work for Real Builders

Between-Phase Funding

Keep your crews working during transitions between major construction phases when traditional draw schedules leave gaps in your cash flow.

Site Preparation

Fund demolition, grading, and site work before your main construction loan activates. Our bridge financing covers early project costs with flexible terms.

Fast Closings

Get same day analysis and term sheets and close in as little as 15 days. When your project timeline is tight, our accelerated process ensures you don't face costly delays.

Customized Terms

Loan terms from 6-24 months with no prepayment penalties. Pay off your bridge loan when your permanent financing is in place, not according to a rigid schedule.

Between-Phase Funding

Keep your crews working during transitions between major construction phases when traditional draw schedules leave gaps in your cash flow.

Site Preparation

Fund demolition, grading, and site work before your main construction loan activates. Our bridge financing covers early project costs with flexible terms.

Fast Closings

Get same day analysis and term sheets and close in as little as 15 days. When your project timeline is tight, our accelerated process ensures you don't face costly delays.

Customized Terms

Loan terms from 6-24 months with no prepayment penalties. Pay off your bridge loan when your permanent financing is in place, not according to a rigid schedule.

Built by Construction Veterans for Builders

Our bridge loan program is designed by people who understand construction timelines and cash flow challenges. We look beyond traditional lending metrics to evaluate loan requests based on project viability and your construction track record. You’ll work with decision-makers who can say “yes” when other short term real estate lenders slow things down.
The process is straightforward and transparent, with clear terms and no hidden fees. Our in-house team handles everything from initial review to funding, so you’re never shuffled between departments or left wondering about your loan status. From application to funding, you’ll have a single point of contact who understands your build schedule and keeps your project moving.
Two people in construction helmets stand on a wooden plank at a building site, smiling. They are surrounded by partially built homes and trees, under a clear blue sky.

How Our Bridge Loan Process Works

Initial Discussion

Share your project details, construction timeline, and funding needs with our builder-focused lending team.

Same-Day Assessment

Receive preliminary approval and term sheet options within 24 hours. We'll outline clear terms and costs upfront.

Simple Documentation

Submit only essential project and financial information. We keep paperwork minimal so you can focus on building.

Expedited Closing

Close in as little as 15 days, keeping your team working and your build on track.

Flexible Repayment

Pay off your bridge loan when your permanent financing or next phase funding is ready — with no prepayment penalties.

Initial Discussion

Share your project details, construction timeline, and funding needs with our builder-focused lending team.

Same-Day Assessment

Receive preliminary approval and term sheet options within 24 hours. We'll outline clear terms and costs upfront.

Simple Documentation

Submit only essential project and financial information. We keep paperwork minimal so you can focus on building.

Expedited Closing

Close in as little as 15 days, keeping your team working and your build on track.

Flexible Repayment

Pay off your bridge loan when your permanent financing or next phase funding is ready — with no prepayment penalties.

Ready to Bridge the Gap?

Don’t let financing delays stall your build or force you to pause projects. Our team delivers fast, flexible bridge loans designed for builders who understand that in construction, time is money.

Contact our team today for a no-obligation consultation and discover why builders throughout the region trust Cascara Capital for their short-term construction loan needs.

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John Barlow, Senior Business Loan Consultant, smiles confidently in a dark suit and patterned tie. The background is a plain, textured gray surface.
John Barlow

Senior Business Loan Consultant

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Heather Ross

CFO

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Koby Lines

Business Loan Consultant

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Max Rutherford, Senior Loan Analyst, standing with arms crossed, wearing a white shirt, against a textured gray background.
Max Rutherford

Senior Loan Analyst

Max brings a strong background in investment banking, financial analysis, and portfolio management to his role as Senior Loan Analyst at Cascara. He supports the firm’s loan strategy and underwriting efforts while managing client relationships, portfolio risk, fundraising initiatives, and marketing strategy. Prior to Cascara, he served as an Analyst Intern at Cascadia Capital, where he focused on financial modeling, market research, and pitch deck development. He also worked as an Accounting Associate at myGREEN Tax & Accounting, managing QuickBooks portfolios and preparing financial reports. Max holds a BBA in Marketing from the University of Washington’s Michael G. Foster School of Business.

Michael Thies, VP of Sales, in a suit standing and smiling against a plain, textured gray background.
Michael Thies

VP of Sales

Michael brings over 25 years of experience in mortgage lending, marked by leadership, operational excellence, and a dedication to helping clients achieve their goals. As a high-performing branch manager at Bank of America, he led a team that consistently funded more than $600 million annually, showcasing his talent for driving results and building strong teams. Throughout his career, Michael has personally originated over $700 million in residential loans, earning a reputation for integrity, trust, and personalized service. His deep understanding of market dynamics and borrower needs makes him a valued resource for clients and colleagues alike. Michael’s ability to blend strategic insight with a client-focused approach positions him as a respected leader in the industry.

Smokey Burns, board member, standing confidently in a gray suit with a blue tie and pocket square, against a textured gray background.
Smokey Burns

Board Member

Smokey brings over 25 years of experience in finance, accounting, and business development to Cascara. After earning his graduate degree from the University of San Francisco in 2001, he founded and led Epicenter Network, an online marketing company, as CFO until its successful sale in 2010. While staying on through 2015, he also launched Lexo Media Group in 2012 and sold it in 2015. In 2016, he co-founded Nimble Five, Inc., where he oversaw all finance and banking operations, managed accounting teams, led HR and compliance efforts, and worked closely with shareholders on strategic decisions. Smokey’s proven track record of multiple successful exits and his disciplined leadership have been key contributors to Cascara’s continued growth.

Brett Moreland, Founder & Principal, in a dark suit smiles confidently, standing against a plain, textured gray wall, exuding a professional demeanor.
Brett Moreland

Founder & Principal

Brett brings over 30 years of real estate finance experience to his role as Founder and Principal of Cascara Capital. He leads the firm’s strategic direction, capital relationships, and credit operations, drawing on deep expertise in lending cycles and risk management. Brett began his career at Norwest Bank before founding Qualfund Lending, LLC, which grew to 80 loan officers with annual volume exceeding $800 million. After selling Qualfund to First Independent Bank in 2003, he served as General Manager until 2005. Since then, Brett has focused on private lending, originating and servicing $700 million in bridge and construction loans. He holds a finance degree from Washington State University and lives in Kirkland, Washington, with his family.