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Bridge & Hard Money
Loan Programs

Fast, flexible financing solutions for investment properties. Get approved in days, not months. Perfect for fix-and-flip, rental properties, and time-sensitive real estate deals.

Close in 7-14 Days
Up to 80% LTV
Asset-Based Lending

Bridge Loans vs Hard Money Loans

Understanding the key differences between these powerful financing tools will help you choose the right option for your investment strategy

Bridge Loans

Short-term financing that "bridges" the gap between buying a new property and selling an existing one or securing permanent financing.

Lower Interest Rates: Typically 8-12% annually
Longer Terms: 6-24 months
Higher LTV: Up to 80% loan-to-value
Credit Considered: Income and credit verification required

Best For:

  • • Buying before selling current property
  • • Rental property acquisitions
  • • Commercial real estate transitions
  • • Refinancing to permanent loans

Hard Money Loans

Asset-based lending focused on the property value and deal potential, with minimal credit and income requirements.

Faster Approval: Close in 3-7 days
Asset-Based: Property value is primary factor
Flexible Terms: Interest-only payments
No Income Verification: Perfect for self-employed investors

Best For:

  • • Pre-Foreclosures and Bankruptcy Loans
  • • Time-sensitive acquisitions
  • • Credit-challenged borrowers
  • • Competitive bidding situations

Quick Comparison

Feature Bridge Loans Hard Money
Approval Time 1-2 weeks 3-7 days
Interest Rate 8-12% 10-15%
Loan Term 6-24 months 6-12 months
Max LTV 80% 70%
Credit Requirements Good credit needed Flexible