Bridge Loans
Fast & Flexible Short-Term Financing Solutions for Investors and Property Owners
Get Your Bridge Loan Quote Today
*Serving Dutch Flat, CA and surrounding Northern California regions.
Service Snapshot: Bridge Loan Highlights
| Feature | Details for Bridge Loans |
|---|---|
| Primary Purpose | Bridge the gap between transactions, quick property repositioning, urgent acquisitions |
| Typical Funding Time | 5-10 Business Days (as fast as 3 for qualified projects) |
| Loan-to-Value (LTV) | Up to 70-75% LTV (based on current value or ARV) |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Land (case-by-case) |
| Typical Loan Term | 6-24 Months, interest-only payments |
Unlock Opportunities with Waterman Capital Bridge Loans
Bridge loans are essential for investors and property owners facing time-sensitive situations that traditional financing can't accommodate. Whether you're buying a new property before selling an existing one, need quick capital for a property repositioning, or want to avoid foreclosure, our bridge loans provide the speed and flexibility you need.
Waterman Capital offers a strategic advantage:
- Rapid Funding: Our streamlined process ensures you get capital quickly, often within 3-10 business days, allowing you to seize opportunities that demand immediate action.
- Flexible Solutions: We customize bridge loans for unique scenarios, focusing on the asset's value and your project's viability, rather than strict credit requirements.
- Diverse Applications: Perfect for situations like buying an investment property, facilitating a 1031 exchange, or providing working capital during a property transition.
- Simplified Exit Strategies: Designed to be a short-term solution, our loans are structured with clear exit strategies, typically through refinancing into conventional debt or property sale.
Frequently Asked Questions About Bridge Loans
What is a bridge loan and when should I use one?
A bridge loan is a short-term, asset-backed loan designed to "bridge the gap" between transactions or provide immediate capital for time-sensitive opportunities. They are ideal for situations where you need to purchase a new property before your existing one sells, require quick funds for a rehab project, or need to close on a deal rapidly before traditional financing is secured.
How quickly can I get approved and funded for a bridge loan?
Speed is a primary advantage of bridge loans. For qualified projects, we can often provide funding in as little as 3-5 business days, with most loans closing within 7-10 business days. This allows you to act fast on market opportunities and meet urgent deadlines.
What types of properties qualify for a bridge loan?
We lend on a variety of property types for bridge financing, including single-family homes, multi-unit residential (2-4 units), apartment buildings, commercial properties (retail, office), and sometimes land for specific development projects. Our focus is on the property's value and the project's profitability.
What is a typical term and exit strategy for a bridge loan?
Bridge loans typically have terms ranging from 6 to 24 months, with interest-only payments. The common exit strategy is either the sale of the property being bridged, the sale of another asset, or refinancing into a longer-term, conventional loan once the property has been stabilized or repositioned.
Ready to bridge your next financial gap?
Get pre-qualified or apply now for a fast and flexible bridge loan.
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