Bridge Loans
Fast & Flexible Capital for Property Transitions & Opportunities
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*Serving real estate investors nationwide for seamless property acquisitions and transitions.
Service Snapshot: Bridge Loan Financing
| Feature | Details for Bridge Loans |
|---|---|
| Primary Use Cases | Acquisition, Interim Financing, Refinance, Property Transition |
| Typical Funding Time | 5-10 Business Days (as fast as 3 for qualified projects) |
| Loan-to-Value (LTV) | Up to 70-75% ARV (After Repair Value) or Current Value |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Land (with clear exit) |
Why Investors Choose Waterman Capital for Bridge Loans
In real estate, timing is everything. Bridge loans provide crucial short-term financing to "bridge" the gap between transactions, allowing investors to capitalize on opportunities that would otherwise be missed due to the slow pace of traditional lending.
Waterman Capital offers a strategic advantage for bridge financing:
- Speed & Efficiency: Our streamlined process ensures quick closings, often within 3-10 business days. This speed is critical for securing new properties before an old one sells, or for fast-tracking rehab projects.
- Flexible Terms: We specialize in tailored bridge loan solutions for unique situations, such as purchasing a new property before selling an existing one, quickly accessing equity, or securing temporary financing for a property undergoing renovation or stabilization.
- Diverse Exit Strategies: We understand that bridge loans are temporary. Our team works with you to ensure a clear and viable exit strategy, whether it's through the sale of the asset, a refinance into long-term debt, or completion of value-add improvements.
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 provide immediate capital for real estate investors. It "bridges" the financial gap between the purchase of a new property and the sale of an existing one, or between an acquisition and securing long-term financing. It's ideal when you need quick access to funds to seize a time-sensitive opportunity, fund a quick renovation, or facilitate a property transition without missing a beat.
How fast can I get a bridge loan funded?
We prioritize speed for bridge loans, as their very nature is often time-sensitive. For qualified projects, we can often fund loans in as little as 3-5 business days, with most loans closing within 7-10 business days. Our efficient underwriting and direct lending model enable these rapid turnarounds.
What types of properties qualify for bridge loans?
We lend on a wide range of property types for bridge financing, including single-family homes, multi-unit residential (2-4 units), apartment buildings, commercial properties (retail, office), and even land where there is a clear development or construction plan in place. Our focus is on the asset's value and the project's profitability, along with a credible exit strategy.
What is the typical repayment strategy or 'exit' for a bridge loan?
Bridge loans are temporary, so a clear exit strategy is paramount. Common exit strategies include the sale of the property being bridged, the refinance into a long-term conventional loan (e.g., after stabilization or renovation completion), or the sale of another property that frees up capital. We structure our bridge loans to align with your planned exit timeframe.
Ready to Bridge Your Funding Gap?
Secure fast, flexible financing for your next real estate transaction or property transition.
Apply for a Bridge Loan
