A bridge loan is short-term real estate investor financing used to buy, renovate, stabilize, or reposition a property before sale or long-term refinance. Capital Partner Loans helps package the deal and make the right lender introduction quickly.
Term sheets
24 hours
Fast closings
As fast as 48 hrs
Minimum loan
$75K+
Collateral
Investment property
A bridge loan is short-term financing that covers the gap between acquiring or improving a property and the permanent exit, usually a sale, refinance, or DSCR rental loan.
Fix-and-flip investors, BRRRR investors, builders, and rental investors use bridge loans when speed matters more than a conventional lending timeline.
Some bridge files can close in days when title, entity documents, scope, borrower information, and the exit plan are ready. Timelines still depend on the specific lender and file.
Bridge financing is best when the property or timing does not fit conventional debt. The deal may need renovation, the seller may require a fast close, or the investor may need to stabilize the asset before refinancing.
Bridge lenders care about the collateral, borrower profile, liquidity, project scope, and exit plan. A clean file with a realistic budget and clear resale or refinance strategy moves faster.
Best for: Speed, renovation, and short-term value creation.
Watch: Higher cost than long-term rental debt.
Best for: Stabilized rental properties held long term.
Watch: Slower and not ideal before rehab is complete.
Best for: Standard stabilized assets and personal-income qualification.
Watch: Not built for distressed assets or urgent closes.
They often overlap. In investor lending, a hard money loan is usually an asset-based short-term bridge loan secured by the property.
Sometimes. First-time investors may need stronger liquidity, a conservative loan-to-cost, a detailed scope, or an experienced contractor or mentor on the project.
Yes. Many BRRRR investors use bridge financing to buy and rehab, then refinance into a DSCR loan once the property is rented or lease-ready.
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