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We know how to get your deal done.
The bridge loan: short-term, interest-only money secured on residential or commercial investment property. Buy with it, refinance with it, take cash out with it, or fund a renovation with it. It is the only loan we do; and we do it well and we do it fast.
We do bridge loans for all sorts of reasons, including the following:
We can often do loans for reasons where it doesn't tick the box of other lenders. We don't have boxes to tick.
Cash-out refinance
Turn equity into your next deal.
Refinance a property you own and take cash out, up to 80% of its value on residential and 70% on commercial. No income verification and no debt-to-income test. A new appraisal is required.
Bridge-to-sale
Finished, listed, and out of time.
We refinance completed projects, including new builds, so you can hold out for the right buyer instead of a forced sale. Interest only, and no penalty when the sale completes.
Bridge-to-bridge
A maturing bridge loan, taken out.
Your lender won't extend, or will only extend on punishing terms. We pay them off with a new loan, including loans already past maturity, and reset the clock for up to 24 months.
Purchase
Buy quickly, refinance later.
Close like a cash buyer, then move to long-term finance once the property is stabilised. Up to 80% of purchase price.
Fix and flip
Purchase and rehab, one loan.
The same bridge loan with a rehab budget on top. Up to 100% of renovation costs funded, first-time flippers welcome.
Details below →Not sure which one you need?
It doesn't matter. Tell us about the deal and we'll tell you how we'd structure it.
Submit a dealResidential or commercial. We can lend against all property types.
Our bridge loan is fast money secured on the property itself, residential or commercial. With no project to assess and every decision made in-house, it is the fastest loan in the market. Our quickest close so far is 36 hours.
Residential bridge
Single family and 2–4 unit, including homes let on Airbnb and other short-term rental platforms.
Commercial bridge
Quick finance against any type of commercial property. More on commercial bridge loans
Add a rehab budget. It's still a bridge loan.
We lend against the property on day one, then fund the rehab and let you draw on it as the work completes, like any other fix and flip loan. For us it is the same loan, the same speed and the same terms. Note that we fund renovation only, not ground-up construction.
First-time flippers
For first-time flippers. We look at your liquidity in place of a track record.
Experienced flippers
For investors with five or more flips in the last three years.
Single family property. Leverage is lower for rural property and property that is mid-construction. All loans subject to underwriting approval.
More common sense. Less paperwork.
No income verification
No debt-to-income test and no net worth test.
One month of bank statements
That is all we ask to see.
Assigned appraisals accepted
If less than 90 days old. Cash-out refinances need a new appraisal.
Foreign nationals
Entities owned by foreign nationals are welcome.
Personal guarantees
From anyone holding 20% or more of the borrowing entity.
Interest only
Monthly interest, with the principal repaid when you exit.
Rates and fees
Good to know
Where we lend
In Oregon we lend on commercial property and residential buildings of five or more units.