When a bridge loan is the right tool

Bridge financing exists for situations where timing, not price, is the constraint — closing before a sale completes, taking down a property that will not qualify for permanent financing in its current condition, or holding through a repositioning. It is deliberately short-term and priced accordingly. The exit matters more than almost anything else in the file: a lender wants to know precisely how the loan gets paid off.

Program Ranges

What we see across our lender network

Up to 93.5% LTV

One of the highest LTVs available — ideal for investors who need to preserve capital.

$150K – $5M+

Available for residential, multi-family, and commercial bridge scenarios.

6–24 Month Terms

Flexible terms whether you're stabilizing, repositioning, or waiting on a long-term refi.

640+ Credit Score

Interest-only options available to keep your carry costs low during the bridge period.

Common questions

What is the difference between a bridge loan and a fix and flip loan?

Overlapping, but the intent differs. Fix and flip financing is built around a renovation with a sale at the end and usually includes rehab draws. Bridge is broader — it covers any short-term hold, renovation or not.

What exits do lenders want to see?

Typically a sale or a refinance into permanent financing. Have the exit and its timeline defined before applying; a bridge file without a credible exit is the most common reason for a decline.

Is interest-only available?

Often, yes. Interest-only keeps carry costs down during the bridge period, which matters when the property is not producing income yet.

How fast can a bridge loan close?

Bridge lenders are generally the fastest in our network because speed is the product. Actual timing still depends on appraisal, title, and property type — we give you a real timeline once we see the file.

Can I use bridge financing on commercial property?

Yes. Residential, multi-family, and commercial bridge scenarios are all placeable.

Related Tools

Run the numbers first

Refinance Calculator

Compare your exit refinance against the current loan and find break-even.

Amortization Calculator

See how a permanent loan pays down once you exit the bridge.

Rental Property Calculator

Check whether the stabilized property carries itself after the bridge.

Ranges shown are based on a network of lenders and are not guaranteed. Final terms are subject to qualification, property type, credit profile, and lender approval. Kinship Commercial Lending is a brokerage and is not a direct lender. This page is not a commitment to lend.

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Bridge loans for time-sensitive deals.