Bridge Loans provide fast, short-term financing designed to help individuals and businesses move quickly when timing matters most. Whether you’re purchasing a new property before selling your current one, funding a real estate investment opportunity, covering renovation costs, or securing temporary working capital, our bridge loan solutions can help close the gap.
We work with a variety of borrowers, including homeowners, investors, business owners, and real estate professionals who need flexible financing with streamlined approvals and quick funding. Bridge loans can often be used for:

• Real estate purchases

• Investment property acquisitions

• Fix-and-flip projects

• Construction or renovation funding

• Business cash flow needs

• Auction or time-sensitive purchases

• Transition financing while waiting on long-term funding

Our goal is to provide customized financing options with competitive terms and responsive service, helping you move forward without unnecessary delays. Whether you need funding for a few months or a temporary solution while permanent financing is arranged, we can help structure a bridge loan tailored to your situation.

Solutions for real estate investors 

• Qualification based on subject property's debt service coverage ratio (DSCR) only 

• LTVs up to 80% on purchases and 75% on cash-out refinances 

• No limit on cash out up to 60% LTV, over 60% LTV, max cash out $750k 

• DSCRs down to .75*

• Vesting in an entity (LLC, partnership, corporation) allowed 

• Min. 660 FICO 

• Flexible calculation methods for DSCR 

• Investment Properties 

• Short-term rentals allowed with minimum 1.0 DSCR 

• Loan Amounts up to $5MM**

• AirDNA may be utilized to calculate short term rental income on purchase transactions 

• Two years out of a credit event allowed 

• 1–4-unit properties, warrantable condos, PUDs, certain mixed-use properties, and non-warrantable condos/condotels allowed 

Renovation Loans provide the financing you need to improve, repair, or transform residential and investment properties without delaying your project. Whether you are updating a primary residence, remodeling a rental property, purchasing a fixer-upper, or making major repairs, our renovation loan solutions can help turn your plans into reality.
We offer flexible financing options designed to cover a wide range of renovation and improvement projects, including:

• Kitchen and bathroom remodels

• Roofing, HVAC, and major system replacements

• Flooring, painting, and cosmetic upgrades

• Structural repairs and additions

• Investment property renovations

• Fix-and-flip projects

• Accessibility and safety improvements

• Property modernization and value-add improvements

Renovation loans can often combine the purchase price and renovation costs into one financing solution, helping borrowers improve cash flow while increasing the value and functionality of their property. We work with homeowners, real estate investors, landlords, and business owners to help structure financing that fits their goals and timeline.

Ground-Up Construction Loans provide financing for the construction of new residential, commercial, and investment properties from the foundation up. Whether you are building your dream home, developing rental properties, constructing a custom investment project, or expanding your business operations, we offer financing solutions designed to support your project from start to finish.
Our construction loan programs are structured to help borrowers manage building costs throughout each phase of construction, with funding typically distributed through scheduled draws as work is completed. We work with homeowners, builders, developers, and investors to help simplify the financing process and keep projects moving forward.
Ground-up construction financing may be used for:

• Custom homes

• Investment properties

• Spec homes

• Multi-family construction

• Commercial buildings

• Additions and major expansions

• New business locations

• Land and construction packages

We understand that construction projects require careful planning, budgeting, and timing. That’s why we help clients explore financing options tailored to their project scope, timeline, and long-term goals. Our team works closely with borrowers throughout the process to provide responsive service and guidance from pre-construction through completion.

• Investment Properties Only

• Close in 7-10 Days

• Higher Leverage with More Experience

• Lending in 45 States