Bridge Loans
Seamlessly Bridge Your Financial Gaps with Fast, Flexible Capital
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*Ideal for property acquisitions, refinancing, and avoiding missed opportunities.
Service Snapshot: Bridge Loans
| Feature | Details for Bridge Loan Clients |
|---|---|
| Purpose | Property Acquisition, Refinancing, Commercial Real Estate, Avoiding Foreclosure, Fund Development |
| Typical Funding Time | 5-10 Business Days (as fast as 3 for urgent needs) |
| Loan-to-Value (LTV) | Up to 70-75% LTV (Loan-to-Value) or ARV (After Repair Value) |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Raw Land, Mixed-Use |
Why Investors Choose Waterman Capital for Bridge Loans
Bridge loans are essential for investors, developers, and property owners facing time-sensitive opportunities or temporary financial gaps. Traditional lenders often can't move fast enough, leaving valuable deals on the table or causing delays in critical projects.
Waterman Capital provides a critical advantage:
- Unmatched Speed: Our efficient underwriting and closing process means you can secure funding rapidly, often within 3-10 business days, ensuring you never miss a time-sensitive opportunity.
- Flexible & Tailored Solutions: We understand that every bridge situation is unique. Our loans are customized to fit your specific needs, whether it's acquiring new property before selling an old one, covering construction costs, or leveraging equity for a new venture.
- Asset-Based Approach: We focus on the underlying value of your real estate asset and the project's viability, rather than solely on credit scores or lengthy financial histories, making our loans accessible when traditional options aren't.
Frequently Asked Questions About Bridge Loans
What is a bridge loan and when is it typically used?
A bridge loan is a short-term loan used to "bridge" a financial gap, usually until long-term financing is secured or an asset is sold. It's ideal for situations like acquiring a new property before selling an existing one, providing quick capital for time-sensitive investments, covering construction costs before permanent financing, or preventing foreclosure.
How quickly can I get approved and funded for a bridge loan?
Speed is a primary advantage of bridge loans. Waterman Capital is known for its efficiency, often approving and funding bridge loans in as little as 3-5 business days, with most closing within 7-10 business days. This rapid turnaround is crucial for seizing fleeting opportunities or meeting urgent financial deadlines.
What types of properties qualify for a bridge loan?
We provide bridge financing for a wide array of property types, including single-family homes, multi-unit residential (2-4 units), apartment buildings, commercial properties (retail, office, industrial), raw land, and mixed-use developments. Our focus is on the property's underlying value and your clear exit strategy.
What is an "exit strategy" and why is it important for a bridge loan?
An "exit strategy" for a bridge loan is your plan to repay the loan, typically through selling the property, securing long-term conventional financing, or completing a construction project and selling units. It's crucial because bridge loans are short-term solutions, and a clear, viable exit strategy demonstrates the project's feasibility and ensures timely repayment.
Ready to bridge your next financial need or investment opportunity?
Get pre-qualified or apply now for a fast and flexible bridge loan.
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