Bridge LOAN Financing
A bridge loan lets you close now and settle up later — whether that means buying your next home before your current one sells, or moving fast on a time-sensitive commercial opportunity. Stop waiting. Start moving.
Bridge Loan Programs
The right fit depends on whether you're bridging a home purchase or a commercial and investment deal.
Designed for homeowners who need to close on their next home before their current property sells. Make a non-contingent offer and move on your timeline — not the market's.
Built for investors, developers, and business owners who need to move quickly on a time-sensitive acquisition or value-add project before permanent financing is in place.
Not sure which one fits? Talk to a loan officer.
Actual terms, rates, and loan-to-value (LTV) vary by lender and deal structure. The figures above are illustrative only.
The Advantage
Short-term, asset-based underwriting exists for a reason: when timing is everything, conventional financing simply can't keep up.
Close on your next property without waiting for your current sale — giving you the leverage to compete against cash buyers and contingency-free offers.
Approval is built around the property and the exit strategy — not a lengthy income-documentation process. The deal drives the decision.
Bridge financing is structured to move at the speed of the deal — not the pace of conventional underwriting. When timing is the deciding factor, that matters.
The Process
Share the property details, your target closing date, and how you plan to pay off the bridge loan — whether through a sale or refinance into permanent financing.
Our team evaluates the collateral, loan-to-value (LTV), and exit strategy to structure short-term, interest-only bridge financing tailored to your specific situation.
Once approved, you close on your terms — then execute your exit strategy to repay the bridge loan through a sale or transition into permanent financing.
Who We Serve
Bridge financing is purpose-built for scenarios where speed and flexibility matter more than anything else.
Use bridge financing to move forward now — your current home's equity funds the next purchase while the sale is still in progress.
Acquire and renovate properties quickly with short-term financing designed for value-add strategies and fast turnarounds.
Keep a project moving while long-term construction or permanent financing is being arranged — bridge financing fills the gap.
Seize a commercial property or business opportunity before a tight deadline — without waiting on conventional underwriting timelines.
A non-contingent offer backed by bridge financing lets you compete in competitive markets without depending on the sale of your existing property.
Use a second short-term bridge loan to extend your runway while permanent financing or a sale is being finalized — avoiding a default or forced payoff.
Short-term, asset-based financing for buyers who need to close now — whether that means moving before your current home sells or acting fast on a time-sensitive investment.
A traditional mortgage is long-term — typically 15 to 30 years — underwritten primarily on your income, credit history, and debt-to-income ratio. A bridge loan is a short-term instrument, commonly 6 to 24 months, structured around the value of the underlying collateral and a credible exit strategy rather than a lengthy income-documentation process. Bridge financing is interest-only, closes faster, and carries higher rates that reflect the speed and flexibility it provides. It's designed to solve a timing problem, not to be permanent financing.
An exit strategy is your concrete plan for paying off the bridge loan when it matures. The two most common exits are selling the underlying property (or your existing home) and using the proceeds to repay the loan, or refinancing into permanent, longer-term financing once a project stabilizes or a conventional approval becomes available. Because bridge financing is short-term by design, lenders evaluate the credibility of your exit strategy as a central part of underwriting — a clear and realistic exit is what makes the deal work for both sides.
Closing timelines vary by lender and deal complexity, but bridge financing is specifically designed to move faster than conventional underwriting. Because approvals are driven by asset-based underwriting — focusing on the property's value, loan-to-value (LTV), and exit strategy rather than extensive income documentation — the process is considerably more streamlined. In many cases, a well-documented deal can close in a matter of days to a few weeks, compared to the 30–60 day timelines common with conventional financing. Speed is one of the core reasons borrowers choose bridge loans.
This is an important risk to plan for. If the exit strategy doesn't execute on schedule — for example, your current home takes longer to sell than anticipated, or permanent financing is delayed — you may need to negotiate an extension with the lender, arrange a second short-term bridge loan, or face a maturity default. Lenders evaluate your exit strategy carefully upfront precisely because this scenario is the primary risk in bridge financing. Borrowers should have a realistic timeline, a contingency plan, and an honest assessment of market conditions before taking on a short-term loan. Speak with your loan officer about extension options before you need them.
The transition from bridge financing to permanent financing is the most common exit strategy for commercial and investment borrowers. Once the project reaches stabilization — occupancy, income, or whatever benchmark was set — you apply for a conventional mortgage, commercial real estate loan, or other long-term instrument. For residential borrowers, the exit is usually simpler: once your current home sells, you use the net proceeds to pay off the bridge loan in full. The key is to begin arranging your permanent financing early, well before the bridge loan matures, so you're not racing the clock at the last minute.
Mortgage Wholesale provides short-term Bridge Loan financing for residential and commercial/investment borrowers. Rates, terms, and loan-to-value vary by lender, property, and exit strategy. This is not a commitment to lend.
Mortgage Wholesale | NMLS #380097 | Equal Housing Lender
Borrower Stories
"We found our dream home but our current house hadn't sold. Without the bridge loan, we would have missed it. The process was fast, clear, and let us make a non-contingent offer. Our old home sold six weeks later and we paid it off without a hitch."
Sarah M.
Homebuyer, Residential Bridge Loan
"I had a 10-day closing window on a multifamily deal that conventional lenders couldn't touch. The bridge loan closed on time, the asset-based underwriting process was straightforward, and I refinanced into permanent financing four months later after stabilizing the property."
David K.
Real Estate Investor, Commercial Bridge Loan
"As a developer, I needed short-term bridge financing to acquire a site while my construction loan was finalized. The team understood exactly what I needed, evaluated the deal on the property and LTV — not my tax returns — and we closed in under three weeks."
Lisa R.
Developer, Commercial Bridge Loan
Get Started
Tell us about your scenario — buying before selling, a time-sensitive investment acquisition, or something in between. We'll walk you through whether bridge financing makes sense for your deal, and what the structure might look like.