Bridge Loans
Short-Term Capital Solutions for Property Transitions & Opportunities
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*Serving real estate investors nationwide with speed and flexibility.
Bridge Loan Snapshot: Key Features
| Feature | Details for Bridge Loan Borrowers |
|---|---|
| Primary Loan Types | Bridge Loans, Gap Financing, Interim Financing, Short-Term Acquisitions |
| Typical Funding Time | 5-15 Business Days (as fast as 3 for qualified projects) |
| Loan-to-Value (LTV) | Up to 70-75% LTV (based on current market value) |
| Target Property Types | Residential (1-4 units), Multifamily, Commercial, Land (with entitlements) |
| Common Scenarios | Quick acquisitions, avoiding foreclosure, renovating & selling, stabilizing property, buying time for permanent financing |
Why Investors Choose Waterman Capital for Bridge Loans
Bridge loans are an invaluable tool for real estate investors facing transitional periods, tight deadlines, or seeking to capitalize on opportunities before long-term financing can be secured. Traditional lenders often can't move fast enough, creating a gap that Waterman Capital's bridge loans expertly fill.
Waterman Capital offers strategic advantages for your bridge loan needs:
- Unmatched Speed: Bridge loans are all about timing. Our efficient underwriting and closing processes mean you can secure funding quickly, often in 3-15 business days, ensuring you don't miss out on time-sensitive deals.
- Situational Flexibility: We understand that every bridge scenario is unique. Whether you're acquiring a property quickly, need funds for renovations before a sale, or require capital while waiting for permanent financing, our terms are tailored to your specific needs.
- Asset-Focused Lending: Our primary focus is on the value and potential of your property, not just your credit score. This allows us to provide solutions for complex projects or borrowers who might not qualify for conventional loans.
- Clear Exit Strategies: A successful bridge loan has a clear path to repayment. We work with you to understand your exit strategy – whether it's selling the property, refinancing, or completing a value-add project – and structure the loan to align with your goals.
Frequently Asked Questions About Bridge Loans
What is a bridge loan and when should I consider one?
A bridge loan is a short-term, asset-backed loan designed to "bridge" the gap between a borrower's current financing and their next long-term financing. They are ideal for situations requiring quick capital, such as acquiring a new property before selling an existing one, funding renovations, or securing a property while traditional financing is pending.
How quickly can I get approved and funded for a bridge loan?
Speed is a hallmark of bridge loans. Waterman Capital prides itself on efficiency, often approving and funding qualified bridge loans in as little as 3-5 business days, with most loans closing within 7-15 business days. This allows you to act fast on lucrative real estate opportunities.
What types of properties are eligible for bridge loans?
We lend on a wide range of property types for bridge financing, including single-family homes, multi-unit residential, apartment buildings, commercial properties (retail, office, industrial), and sometimes even land with clear development plans. The key is the asset's value and the project's viability.
Do bridge loans always require a traditional appraisal?
To expedite the process, we often utilize faster valuation methods such as Broker's Price Opinions (BPOs) or conduct our own internal valuations based on recent comparable sales and market analysis, rather than waiting for a full, traditional appraisal. This helps us close faster and keeps your project on schedule.
Ready for a flexible bridge loan solution?
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