Cover the gap, short and fast

Bridge Loans

Short-term financing to bridge a gap until a sale, refinance, or permanent loan closes.

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A bridge loan covers a short-term gap — closing on a property before a sale finalizes, or carrying you until a permanent loan funds. It's priced for speed and flexibility, not for the long haul, so it works best with a clear exit already in view.

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Best for

  • Closing on a purchase before a sale or refinance completes
  • Time-sensitive opportunities with a clear repayment plan
  • Owners who need weeks, not months, to fund

Common uses

  • Bridging a property purchase to a sale or refinance
  • Covering a gap while permanent financing closes
  • Time-limited opportunities

What you'll need

  • A clear, near-term exit (sale, refinance, or permanent loan)
  • Collateral or a defined repayment source
  • Repayment ability
  • Owner credit reviewed

At a glance

Amount
Up to $3,000,000
Term
Typically 6–24 months
Speed
Often the fastest path to funding

Bridge Loans: which structure?

A few ways this is commonly structured. Your advisor helps you pick the right one.

Funds a purchase now, repaid when a pending sale of another asset or property closes.

Best for: Buying before you've sold, without losing the opportunity.

Estimate your bridge loans

Move the sliders to explore. These are illustrative figures, not an offer.

Bridge loans are priced for a short, defined hold — estimate based on when your exit (sale, refinance, or permanent loan) actually closes.

Estimated monthly payment

$22,212

Amount
$250,000
Total interest
$16,546
Total of payments
$266,546
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Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms.

Bridge Loans questions

What counts as a clear exit?

A pending sale, a refinance in process, or a permanent loan already lined up. Bridge loans are priced assuming a short hold, so lenders want to see how it gets repaid.

Is a bridge loan expensive?

It typically costs more than a conventional term loan because of the short term and faster underwriting — worth it only when speed or timing genuinely requires it.

Can this be replaced by permanent financing later?

Yes — that's the usual plan. A bridge loan carries you until the permanent financing (often SBA or commercial real estate) is ready to fund.

Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.

Other financing options

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