How fast can you fund a bridge loan?

Our multifamily bridge loans can close in as little as 7 days.

How much leverage is available?

Up to 90% loan-to-cost, with funds available for acquisition, horizontal and vertical costs.

Do I need an appraisal?

No appraisal is required on our multifamily bridge program.

Do you consider the property's current cash flow?

No. Current cash flow and DSCR are not considered on the multifamily bridge program, so value-add properties can qualify on the business plan.

Can a bridge loan fund new construction?

Yes. On shovel-ready projects we lend up to 90% LTC, including up to 100% of vertical construction costs, with draws funded in as little as 3 business days.

Where do you offer bridge loans?

In all 50 states and Washington, D.C.

How do I exit a bridge loan?

Most investors sell the finished property or refinance into a 30-year DSCR rental loan, a cash-out refinance or portfolio financing.

Investment Property Bridge Loans

Bridge Loans for Real Estate Investors

When a deal can't wait for a bank, a bridge loan gets you to the closing table. Hedge Wealth Capital funds acquisitions, multifamily repositions and construction projects in as little as 7 days.

Find Out If You Prequalify Call 1-800-674-3804

Construction worker framing a new building financed with a bridge loan

Program snapshot

Closings as fast as: 7 Days; Closings as fast as
Loan-to-cost: 90%; Loan-to-cost
Appraisal required: No; Appraisal required
States served: 50 + DC; States served

Close in 7 DaysWhen timing matters

Up to 90% LTCNo appraisal required

When a Bridge Loan for Investment Property Makes Sense

A bridge loan is short-term capital that carries a property from where it is today to its next stage: renovated, stabilized, built or sold. It is the right tool when the opportunity is time-sensitive or the property does not yet qualify for long-term financing.

On our multifamily bridge program, current cash flow and DSCR are not considered, which means a half-vacant building or a project mid-construction can still be financed on its business plan.

Multifamily apartment building suited to a bridge loan reposition

Fast acquisitions

Compete with cash buyers on auctions, estate sales and off-market deals.

Multifamily repositioning

Fund acquisition and rehab on apartment buildings before rents are stabilized.

New construction

Acquisition, horizontal and vertical costs on ground-up projects.

Retiring maturing debt

Replace a note that is coming due while you finish the business plan.

Bridge Capital for Ground-Up Construction

For shovel-ready residential projects we finance up to 90% loan-to-cost, covering up to 50% of the acquisition of entitled land, up to 75% of horizontal development and up to 100% of vertical construction. Draws can be funded in as little as 3 business days.

We also offer reimbursement of cost basis on free-and-clear land, returning capital you have already put into the site. Financing is available for single-family homes, multifamily buildings, scattered-site developments and subdivisions.

Step by Step

Common Bridge Loan Exit Strategies

Sell the property

Pay off the bridge from the sale once the renovation or build is complete.

Refinance into a DSCR loan

Move a stabilized rental onto a 30-year DSCR loan.

Cash-out refinance

Refinance and pull equity with a cash-out refinance.

Portfolio refinance

Roll several stabilized properties into rental portfolio financing.

Compare

Bridge Loan vs. Hard Money Loan

The terms are often used interchangeably; here is how we use them.

Feature	Bridge loan	Hard money fix & flip loan
Typical project	Multifamily, construction, larger repositions	Single-family purchase and rehab
Leverage	Up to 90% LTC	Up to 100% LTC, ARV capped
Closing speed	As little as 7 days	As little as 48 hours when pre-approved
Learn more	You are here	Hard money loans

Typical project

Bridge loan: Multifamily, construction, larger repositions

Hard money fix & flip loan: Single-family purchase and rehab

Leverage

Bridge loan: Up to 90% LTC

Hard money fix & flip loan: Up to 100% LTC, ARV capped

Closing speed

Bridge loan: As little as 7 days

Hard money fix & flip loan: As little as 48 hours when pre-approved

Learn more

Bridge loan: You are here

Hard money fix & flip loan: Hard money loans

FAQ

Frequently Asked Questions

Still have a question?

Talk to our team about your property and timeline.

1-800-674-3804

It is short-term financing that carries an investment property from acquisition through renovation, construction or stabilization until it is sold or refinanced.

Related Programs

Keep Exploring Financing Options

House under renovation with scaffolding, financed with a hard money loan

Fix & Flip Financing

Hard Money Loans

Hard money fix and flip loans covering up to 100% of purchase and rehab costs. Same-day approval, pre-approval with no deal required, and fast closings in all 50 states.

Explore Hard Money Loans

Single-family rental home financed with a 30-year DSCR loan

30-Year Rental Loans

DSCR Loans

30-year fixed DSCR loans that qualify on rental cash flow, not personal income. Up to 80% LTV, 680+ FICO, no tax returns or W-2s, single-family and 2–10 unit rentals in all 50 states.

Explore DSCR Loans

Direct Private Lender

Private Money Lenders

A direct private money lender funding real estate investors with 100% of its own capital since 2010. In-house underwriting, same-day approvals, and loans in all 50 states and D.C.

Explore Private Money Lenders

Talk With HWC

Have a property under contract or a project you are evaluating? Tell us where things stand and what financing questions you need to resolve.

Find Out If You Prequalify Call 1-800-674-3804