Loan Overview
Bridge Loan
Fast Capital to Bridge the Gap
Our bridge loans for real estate investors provide fast, short-term real estate loans to help you acquire or refinance investment properties while you prepare for permanent financing or resale. With flexible bridge loans, quick closings, and customizable terms, you can move quickly in competitive markets. As a result, you won’t miss valuable investment opportunities.
Term
9 – 12 Months + Extension
Loan Amount
$100k to 5M
LTC
Up to 92.5%
Cost Breakdown
Up to 90% of Purchase & 100% of Rehab
Property Types
– Non-Owner Occupied – Single Family Residential
– Condo 1–4 Units – Townhome 1–4 Units
– ADU Conversions Okay
Our Lending Process
Streamlined Steps to Secure Fast Funding
At Equity Backers, we’ve designed our lending process to deliver flexible bridge loans through an efficient and straightforward system. From your initial inquiry to securing funding, we provide a seamless experience that minimizes delays and maximizes convenience. Our team works quickly to evaluate your needs, customize short-term real estate loans, and get the capital you need as fast as possible. Whether you’re acquiring a property, refinancing, or funding a project, our process ensures you can move forward with flexible bridge loans that fit your timeline.
Step One
Submit Your Loan Request
First, start by sharing key details about your real estate investment project. Our streamlined inquiry process provides a fast, preliminary quote for our short-term real estate loans. You’ll then connect with an experienced Account Executive to explore flexible bridge loan options tailored to your goals.
Step Two
Compile The Complete Loan File
Next, processing includes gathering all relevant documents to qualify for one of our bridge loans for real estate investors. This step ensures your file is complete and properly qualified for underwriting. In other words, it maximizes your leverage potential and keeps your short-term real estate loan on track.
Step Three
Analyze Deal Specifications
After processing, our underwriting team carefully reviews your loan file to qualify the deal for one of our flexible bridge loans. We thoroughly assess documentation and deal risks to structure the best possible terms for your bridge loan for real estate investors.
Step Four
Close The Deal & Move Forward
Finally, once the loan is approved, we coordinate with all parties to ensure a smooth closing process. Funds are disbursed promptly, empowering you to start or continue your project on schedule with the support of a flexible bridge loan that meets your needs. As a result, you can move forward with confidence and peace of mind. schedule with the support of a flexible bridge loan that meets your needs.
Bridge the Gap to Your Next Investment
Our bridge loans for real estate investors are specifically designed to deliver fast, short-term real estate loans that help secure properties and efficiently manage critical transitions. For example, whether you’re closing a purchase, refinancing an existing property, or preparing for a long-term loan, we offer flexible bridge loans with competitive rates, quick approvals, and tailored terms. In addition, our streamlined process allows you to move quickly and confidently. This means, you can keep your deals progressing smoothly and seize every opportunity without delay using our trusted bridge loans for real estate investors.
Fast Real Estate Loan Pre-Approval
Equity Backers provides a detailed loan term sheet within 24 hours, giving you early insight into loan terms. This fast turnaround lets you move quickly and confidently, whether you're purchasing, rehabbing, or refinancing. We ensure you never wait on paperwork, helping you stay competitive in a fast-moving market.
Get Funded in 48 hours
Our streamlined process helps you close in as little as 48 hours after all documentation is submitted. Whether acquiring, refinancing, or repositioning assets, we ensure you get the capital you need quickly. With efficient underwriting and clear documentation, we eliminate delays so you can seize opportunities and outpace competitors.
Pay Interest Only on What You Use
With our draw-based lending, you only pay interest on the funds you draw, not the entire loan amount. This flexible model improves cash flow, reduces borrowing costs, and maximizes returns. Ideal for funding renovations or managing multiple properties, it keeps your project lean while maintaining liquidity.
Full Rehab Financing Covered
Equity Backers provides capital to upgrade and improve properties without using your own funds. Whether flipping or enhancing rentals, our renovation financing helps you complete projects faster and more profitably. With fewer upfront costs and simple disbursements, we handle the funding while you focus on increasing property value.
Have Questions About Fix-and-Flip Loans? We Have Answers
What is a bridge loan?
A bridge loan is a short-term financing option designed to “bridge” the gap between the purchase of a new property and the sale or refinancing of an existing one. It provides quick access to capital when timing is critical.
How long does a bridge loan typically last?
Bridge loans usually have terms ranging from 9 months to 12 months, depending on the lender and the purpose of the loan.
What types of properties qualify for bridge loans?
Bridge loans can finance a wide range of property types, including single-family homes, multi-family buildings, commercial properties, and land. Lenders typically focus on the property’s value and potential resale or refinancing prospects rather than its type, making bridge loans versatile for many real estate investments.
Do I need to have an existing property to qualify?
Not necessarily. While many borrowers use bridge loans to cover gaps between properties, some lenders also offer bridge loans for other real estate needs, such as renovations or securing a new property quickly.
Do I need prior experience to qualify?
While prior experience helps, it’s not required. We evaluate each borrower holistically—considering credit, liquidity, and the project’s strength. First-time flippers with solid plans are welcome.
Is a large down payment required for a bridge loan?
Bridge loans typically require a down payment or equity in an existing property, often ranging from 10% to 30%, depending on the lender and deal structure.