Move fast on your next deal.
Bridge financing for time-sensitive acquisitions — when a deal can't wait for a traditional closing timeline. Use it to purchase, stabilize, or reposition an asset before transitioning to permanent financing.
Financing that moves at deal speed
Some deals only exist because they close fast: the estate sale priced for a quick exit, the seller who needs out before month-end, the auction purchase with a hard funding deadline. Conventional financing takes 30–45 days. Bridge financing closes in five to ten business days, because the underwrite is the asset and the exit — not your tax returns.
Bridge also solves sequencing problems. Buy the next property before the current one sells, take down a deal while permanent financing is still in underwriting, or pull equity out of one asset to close another. The loan is the bridge between the opportunity and the long-term structure.
The exit is the underwrite
Every bridge loan is approved around a credible exit: a sale, a refinance into DSCR or agency debt, or a stabilization event like lease-up that unlocks permanent financing. Terms run 6–36 months with interest-only payments, up to 80% LTV depending on asset and exit strength.
Residential investment properties, small multifamily, and mixed-use are all in scope — non-owner-occupied only. We structure no-prepayment-penalty options when your exit timeline is short, and we’ll frequently arrange the takeout loan in parallel so you’re never scrambling at maturity.
Bridge Loans: common questions
What can I use a bridge loan for?
Time-sensitive purchases, buying before you sell, auction deals, cash-out to fund another acquisition, or carrying a property through lease-up or repositioning until permanent financing makes sense. Non-owner-occupied properties only.
How is a bridge loan different from a fix and flip loan?
A fix and flip loan funds a renovation with a rehab budget and draw schedule built in. A bridge loan funds time — acquisition or cash-out with little or no construction component. If your deal has a serious rehab scope, fix and flip is usually the better structure.
What do bridge lenders look at to approve a loan?
The asset’s value, your equity in the deal, your credit, and above all the exit: how the loan gets repaid within the term. A clearly documented exit — a listing strategy, a takeout refi pre-scoped, a lease-up plan — is what gets aggressive terms approved.
What happens if I can’t exit before the term ends?
Most bridge lenders offer extensions for a fee if the loan is performing, but extensions are a backstop, not a plan. We pressure-test the exit timeline before you close and line up the takeout financing early so maturity is a non-event.
Send us the scenario. We'll tell you if Bridge Loans is the right fit — and what it prices at.
No SSN, no credit pull. A licensed broker reviews the scenario and replies by the next business day.
Program features described above are general descriptions of loan programs offered by third-party lenders and are subject to change without notice. This is not an offer of credit or a commitment to lend. All loans are subject to credit approval, income and asset verification, property appraisal, and program eligibility requirements. Not all applicants will qualify. Verified Home LLC is a mortgage broker, not a lender, and arranges loans with third-party providers. NMLS #2693996. Equal Housing Opportunity.