Bridge Loans
Short-term capital when the timing of a deal doesn't match the timing of your money. Close in days, not weeks, from a lender who funds with its own capital.
What Is a Bridge Loan?
A bridge loan is short-term, interest-only financing secured by real estate, used to cover the gap between when you need capital and when a longer-term event — a sale, a refinance, a stabilized rental — makes it available. Private Loans US bridge loans in Florida fund up to 75% of property value on 6 to 24 month terms and can close in as little as 7 business days.
Most people who search for a bridge loan already know they need one. They're not researching the concept. They're in one of a handful of very specific situations:
The seller won't wait for a conventional close. You've got a property under contract at a good number precisely because you offered a fast close, and now you need the money to actually do that.
You have equity in a property you own and a deal in front of you that needs cash. A cash-out refinance through a bank is six weeks minimum and they'll want two years of tax returns. You need the equity in ten days.
The rental isn't seasoned yet. You bought and renovated, the tenant just moved in, and your DSCR lender wants three to six months of rent history before they'll refinance. Bridge covers the gap.
The auction closed and the deposit is non-refundable. County tax deed and foreclosure auctions in Florida want the balance fast. This is where a lot of investors get caught.
If one of those sounds like your situation, the rest of this page is for you.
How Our Bridge Loans Work
Bridge loans are the simplest product we offer, which is part of why they close so fast. There's no rehab escrow, no draw schedule, no construction budget to underwrite. It's a property, a value, an exit, and a term.
Purchase bridge. Up to 75% of the lower of purchase price or as-is appraised value. Funds at closing. You bring 25% plus costs.
Cash-out bridge (refinance). Up to 70% of current as-is value on property you already own, less any existing liens we're paying off. Free-and-clear property is the fastest to close because there's no payoff to coordinate.
Interest-only, monthly. Principal is due at maturity or when you exit — whichever comes first. No prepayment penalty after the third month, so if your refinance comes through in month five you're not paying for month twelve.
Terms from 6 to 24 months. We'll structure the term to your actual exit. If you're bridging to a DSCR refinance, 12 months is usually right. If you're holding for a sale after a market cycle, we'll talk about 18 or 24.
What It Takes to Qualify for a Florida Bridge Loan
The exit strategy is the whole loan. That’s the first thing we ask and it’s the thing we spend the most time on. “I’ll refinance” isn’t an exit — “I’ll refinance into a DSCR loan once the property has four months of rent at $2,400, which supports a 1.25 ratio at current rates” is an exit.
After that, in order of how much they matter:
- Equity in the property. More equity means better pricing. At 60% LTV we can be flexible on almost everything else.
- The property itself. Non-owner-occupied residential, 2–4 unit, small multifamily, and mixed-use across Florida. We'll look at commercial on a case-by-case basis.
- Your track record. Have you done this before? Doesn't have to be a bridge loan specifically — ownership of investment property counts.
- Credit and liquidity. Reviewed, not decisive. We want to see that you can carry the interest payments through the term.
We do not require tax returns, W-2s, or DTI calculations. It's the asset that qualifies.
Bridge Lending in Florida's Current Market
Florida's investor market has more sellers willing to negotiate than it did two years ago, and the ones who'll take a lower price almost always want speed in exchange. That's the bridge loan sweet spot: the discount you get for closing in ten days usually more than covers the cost of the loan.
The other thing worth saying plainly: insurance quotes are taking longer and coming back higher across most of the state, and that's slowing down conventional closings that were already slow. A bridge lets you close on your timeline and sort the permanent financing once the binder is in hand.
One caution. If you're bridging on a coastal property — anything in a flood zone AE or VE, anything with a pre-2002 roof, anything in an older condo building — get your insurance quote and your association docs before you apply. Not because we'll decline, but because your exit lender will care, and we underwrite to the exit.
A Real Example: Cash-Out Bridge to Fund a New Deal
Investor owns a free-and-clear duplex in St. Petersburg worth $410,000. She has a triplex under contract in Clearwater for $520,000 with a 15-day close and needs $130,000 for the down payment.
She used $130,000 for the triplex down payment and kept the balance as reserves. Refinanced both properties into long-term debt in month seven. No prepayment penalty.
Program Terms
Typical terms for bridge loans. Final pricing is based on the asset, leverage, and your exit.
How to Get a Bridge Loan From Private Loans US
Submit the Get Started form. Tell us whether it's a purchase or a refinance, the property, the value, and — most important — the exit.
Terms in 24 hours.
We order title and valuation. For a refinance, send us your current mortgage statement if there's a lien to pay off.
Close and fund. Wire hits the title company on the scheduled date.
Bridge Loan Questions
Ready to Fund Your Next Deal?
Tell us about the property. We'll send terms within 24 hours.