Real Estate Bridge Loan
Short-term bridge financing for real estate investors who need capital quickly. Close in as few as 10 days to bridge the gap between acquisition and permanent financing or sale.
Loan Criteria
| Criteria | Details |
|---|---|
| Collateral | Multi-Family Apartment Buildings (5+ Units); Mixed-Use Properties (Residential Space Must Represent 70%+ of the Property's Total Square Footage) |
| Loan Amount | $250K to $2M |
| LTV (Purchase) | Up to 75% of the As-Is Value |
| LTV (Refinance) | Up to 70% of the As-Is Value |
| LTV (Cash-Out) | Up to 65% of the As-Is Value |
| Minimum FICO | 650 |
| Term | 12-18 Months (Extended Terms Available) |
| Rates | Some of the most competitive rates in the industry |
Stabilized Bridge Program Typical Leverages
Purchase
Max LTV: Up to 75% of the As-Is Value
Refinance
Max LTV: Up to 70% of the As-Is Value
Cash-Out
Max LTV: Up to 65% of the As-Is Value
What is a Real Estate Bridge Loan?
A real estate bridge loan is short-term financing designed to bridge the gap between a current financial need and a longer-term solution. In real estate investing, bridge loans serve investors who need capital quickly to acquire, stabilize, or reposition a property before securing permanent financing or executing a sale.
Many times a company is approved for a loan through its bank or financial institution, but the loan does not close for 4-6 months. During that time, a short-term bridge loan provides the capital needed so your financial objectives are not delayed while the senior loan completes its process. The bridge loan is repaid when the permanent financing closes.
Bridge loans differ from conventional financing in their speed, flexibility, and underwriting approach. Rather than relying solely on borrower income history, bridge loans are underwritten primarily on the property's as-is value and the strength of the exit strategy. This asset-based approach allows faster closings and more flexible qualification criteria.
On Top Funding provides bridge loan financing for multi-family apartment buildings and mixed-use properties. We work with investors who need to move quickly on acquisitions, refinance existing positions, or access equity through cash-out transactions. Our team evaluates each deal on its fundamentals and provides clear terms so you can make informed decisions.
How It Works
Apply
Submit your application with property details and your exit strategy
Underwriting
Our team evaluates the property, your experience, and the deal structure
Approval
Receive a clear term sheet with transparent pricing and conditions
Closing
Capital is deployed quickly so you can execute on your investment strategy
Why Work With On Top Funding
Speed to Close
Bridge loans require speed. We can close in as few as 10 days with complete documentation. Our streamlined process is designed for investors who cannot afford to wait on conventional lending timelines.
Asset-Based Underwriting
We evaluate the property and the deal structure, not just the borrower's income history. If the asset and exit strategy are sound, we can structure financing that works for your situation.
Clear Terms, No Surprises
We provide transparent pricing and straightforward loan structures. You will know exactly what to expect from application through closing and throughout the life of your loan.
Frequently Asked Questions
Need Capital Quickly?
Apply now and let us structure a bridge loan that fits your investment timeline
Apply NowDisclosure and Compliance Notice: This is not an offer to lend and does not constitute a loan commitment. The information provided is for educational purposes and general overview only. Specific loan terms, rates, and fees will be determined based on individual application, underwriting review, and credit approval. On Top Funding reserves the right to decline any application or modify terms based on its underwriting analysis. All loans are subject to property appraisal, title clearance, and satisfactory completion of underwriting. Rates and terms are subject to change without notice. This material is not intended as financial advice. Borrowers should consult with financial advisors and legal counsel regarding their specific transaction. Equal Opportunity Lender. Loans are made by On Top Funding and its licensed subsidiaries.
Commercial Bridge Loans
Many times a company is approved for a loan through its bank, or financial institution, but the loan doesn't close for 4-6 months. During that time we can provide a short-term bridge loan, which will be paid back when the senior loan closes, so your short-term financial needs can be met.
We can also provide other types of short-term collateralized loans
and can usually close in 10 days or less
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This is not an offer to lend. All offers of credit are subject to due diligence, underwriting and approval. Not all borrowers will qualify and not all borrowers that qualify will receive the lowest rate or best terms. Actual rates and terms depend on a variety of factors and are subject to change without notice.
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