Bridge Loans

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.

Bridge loans fill critical funding gaps between construction phases, during site preparation before a main construction loan activates, and while holding completed projects until permanent financing is secured. They are often used to maintain cash flow during permit or entitlement delays, to cover the period between project completion and buyer closing, or to provide short-term liquidity when traditional draw schedules don't align with on-site needs. Our Builder DNA approach means we understand the real-world timing challenges builders face, from material delivery delays to inspection scheduling conflicts. Short-term financing ensures your crews keep working and projects keep moving forward, preventing cash flow interruptions that could otherwise stall your build timeline.

Our bridge loans typically range from six to fifteen months, with most builders using nine to twelve-month terms to match construction timelines and permanent financing arrangements. Rather than forcing rigid standardized periods, we structure terms around your specific financing needs, market conditions, and exit strategy. This flexible approach allows repayment to align with project completion, property sale, or permanent financing activation. Unlike lenders who impose predetermined schedules, we tailor loan terms to the realities of construction and market timing to support optimal project outcomes.

We typically provide bridge loans up to 80% of the property's current as-is value. Our underwriting focuses on today's value rather than speculative future projections, ensuring a realistic assessment of leverage while still giving builders the capital they need to move projects forward. Because we understand the dynamics of construction and development, we also take into account your track record and the overall strength of the project when structuring terms. This approach provides builders with meaningful leverage while maintaining the right balance of risk management for both borrower and lender.

We regularly close bridge loans in as little as 10 to 15 days, with same day analysis and term sheets available for urgent situations. Our streamlined application process focuses on the key details of your construction project rather than the extensive documentation that slows down traditional lenders. When timing is critical, whether crews are waiting, permits are expiring, or new opportunities are on the line, our accelerated underwriting keeps projects moving. Builders rely on our short term financing as a speed advantage in competitive markets where fast access to funds often determines project success.

We look for builders with proven construction management experience and a history of successful project completions. At the same time, we evaluate each situation on its own merits, focusing on the strength of the project and the quality of the collateral as much as on the builder's background. Local market knowledge and familiarity with similar loan structures are also important factors in our review process. What matters most is your ability to execute the project at hand, rather than perfect credit scores or lengthy financial statements. Many builders and even homeowners stepping into development use bridge loans early in their careers to keep projects moving forward while they establish the track record and relationships that support larger, long term financing opportunities.

Collateral for a bridge loan typically includes the construction property itself, completed improvements, or other real estate assets depending on the loan size and overall risk profile. We evaluate collateral based on the current value of the property, the potential of planned improvements, and the marketability of the asset rather than relying only on appraisal figures used in traditional mortgage processes. Because our team comes from a construction lending background, we understand how to value active sites and partially completed projects with accuracy. This specialized expertise allows us to recognize improvement potential and often provide more favorable collateral evaluations than conventional lenders that lack hands-on experience with real world construction projects.

Bridge loans are designed as short term financing solutions, but we work closely with builders to ensure a smooth transition when permanent financing becomes the next step. Our relationships with long term lenders allow us to help facilitate refinancing without unnecessary gaps in coverage or additional down payment requirements. Many builders use bridge loans strategically to complete construction and then move into permanent financing once properties are stabilized and market conditions support favorable rates. This approach provides flexibility across the full project lifecycle while helping minimize total financing costs.