Close Quickly, Then Execute Your Plan

Bridge loans help you acquire or refinance properties on tight timelines so you can stabilize, improve, or exit without losing the deal over timing.

Time-Sensitive Acquisitions

Move quickly on off-market, auction, or competitive deals without waiting on full bank underwriting.

Reposition & Improve

Use short-term capital to complete lease-up, renovations, or turnarounds before locking into permanent financing.

Bridge to Refinance or Sale

Buy time to hit milestones, clean up financials, or stabilize cash flow before refinancing or selling.

How Bridge Loans Are Structured

Bridge lenders focus on current value, projected value, and your business plan. They underwrite the sponsor, the property, and the timeline to your exit.

  • Short terms: Typically 6–36 months, often with extension options.
  • Interest-only payments: Keep monthly payments lower while you execute the plan.
  • As-is vs. as-stabilized: Proceeds may be based on current value, future value, or a blend.
  • Flexible use of proceeds: Acquisitions, partner buyouts, rehab, lease-up, or recapitalizations.
Discuss Your Bridge Scenario

Popular Bridge Loan Use Cases

  • Time-Sensitive Purchases
    Close on acquisitions quickly while permanent or agency financing is still in process.
  • Value-Add & Repositioning
    Fund renovations, tenant improvements, or restructuring of leases before refinancing.
  • Partner Buyouts
    Buy out existing partners and reset ownership or capital structure.
  • Refinance Under Pressure
    Pay off maturing debt or balloon payments while you secure long-term financing.
  • REC & Transitional Assets
    Finance properties that are not yet bank-eligible due to occupancy, NOI, or documentation.
  • Portfolio Restructuring
    Consolidate or realign debt across multiple properties in your portfolio.

From Initial Close to Your Exit Strategy

The best bridge loans are structured with the refinance or sale in mind from day one. We help you think through the exit so today’s structure doesn’t become tomorrow’s problem.

  • Exit-focused planning: We look at permanent loan or sale options before the bridge is put in place.
  • Cash flow awareness: Estimate payments, reserves, and capital requirements so you’re not surprised mid-deal.
  • Clear path forward: Align bridge terms, covenants, and milestones with your realistic timeline.
Start Your Bridge Loan Prequalification

Compare Short-Term Investor Financing Options

Bridge Loans

Short-term financing for acquisitions, repositioning, and transitional assets where timing or condition limits permanent loan options.

Typical Term 6–36 months, often with extensions.
Best For Time-sensitive acquisitions, maturing debt, and value-add projects.
Max Leverage (Approx.) Often up to ~70–80% of value, depending on asset, sponsor, and business plan.
Speed to Funding Often 10–30 days, depending on complexity.
  • Focuses on asset, sponsor strength, and exit plan.
  • Useful when traditional bank financing can’t move fast enough.
  • Works as a bridge to sale, refinance, or recapitalization.

Fix & Flip Loans

Short-term loans specifically tailored to buy-renovate-sell residential projects.

Typical Term 6–18 months.
Best For Residential investors doing defined renovation-and-sale projects.
Max Leverage (Approx.) Up to ~85–90% of purchase; up to 100% of rehab, subject to ARV and guidelines.
Speed to Funding Often 7–14 days with a clean file.
  • Built around after-repair value (ARV).
  • Best when the primary goal is to renovate and sell.
  • Commonly used for single-family, townhomes, and small residential projects.

Permanent & DSCR Rental Loans

Long-term financing designed for stabilized properties with predictable cash flow.

Typical Term 5–30 years, sometimes with fixed or hybrid structures.
Best For Stabilized properties and long-term hold strategies.
Max Leverage (Approx.) Often up to ~70–80% LTV for stabilized assets.
Speed to Funding Typically 30–60+ days, depending on lender and structure.
  • Best for long-term holds once occupancy and NOI are stable.
  • Generally offers lower rates than short-term bridge capital.
  • Frequently the exit strategy for a successful bridge loan.

Why Investors Use Bridge Financing Through F.G. Howell

Deal & Lender Alignment

We line up your timeline, business plan, and exit strategy with lenders who specialize in transitional assets,

Faster, Cleaner Packaging

We anticipate questions around leases, capex plans, and takeout strategy before they slow your file down.

Multiple Capital Sources

Access banks, debt funds, and private lenders so you aren’t stuck with a single option or structure.

Questions about Bridge Loans?
Request a call.

Bridge Loan FAQs

Timing depends on the property and lender, but many bridge loans can close in 10–30 days with a complete file and responsive parties. More complex projects, legal structures, or title issues can extend that timeline.

Most bridge loans run 6–36 months, often with one or more extension options if you meet specific conditions. The right term depends on your business plan, renovation scope, and exit strategy.

Yes. Bridge lenders want to understand how and when they will be taken out—via refinance, sale, or recapitalization. Part of our role is helping you clarify and document that exit up front.

No. Bridge capital is also used for maturing loans, partner buyouts, time-sensitive purchases, and transitional assets that don’t yet fit permanent loan guidelines.

Bridge loans typically carry higher rates and fees than permanent financing because of the risk and shorter term. The trade-off is speed and flexibility. The goal is to use bridge capital as a tool, not a long-term home for the debt.