Quick Capital
Bridge Loans — Close in 7-14 Days, $500K to $50M
Fast short-term financing for time-sensitive acquisitions and property transitions. Close quickly while you secure permanent financing or sell.
Today's rate:from 11.5%
7-14 Days
Typical time to fund
$500K - $50M
Flexible loan amounts
3-36 Months
Short-term solutions
Common Uses
Common Uses for Bridge Financing
Acquisitions
Value-add / repositioning
Quick refinance
Cash-out transactions
Bridge-to-perm
Auction & time-sensitive deals
Distressed properties
Construction takeout
Rates & Requirements
Loan Amount:$500K - $50M
Interest Rate:8.5% - 16%
Term:3 - 36 months
Max LTV:75%
Min Credit Score:550
Funding:7 - 14 days
Structure:Interest-only
Financing Benefits
- • Fast 7-14 day closings
- • Interest-only payments
- • Flexible exit strategies
- • No prepayment penalties
What Is Bridge Financing?
Bridge financing is a short-term loan that "bridges" the gap between an immediate capital need and longer-term financing or a sale. It's built for speed: because lenders underwrite primarily on the asset's value and your exit strategy rather than lengthy income documentation, a bridge loan can fund in 7-14 days — versus the 30-90 days a conventional loan can take.
Halo's bridge financing runs from $500,000 to $50 million, with terms of 3-36 months and rates from 8.5% to 16%, typically interest-only with no prepayment penalty. Loans are sized up to 75% loan-to-value, and where you land in that rate range depends on the property, the LTV, your experience, and the strength of your exit.
Bridge loans are repaid through a clear exit — usually a refinance into permanent financing or a sale. When you're ready for that permanent loan, compare conventional commercial financing or explore commercial real estate options.
Bridge vs. Permanent Financing
A bridge loan gets you in fast and buys time; permanent financing is the long-term, lower-rate loan you exit into. Most borrowers use both in sequence.
| Feature | Bridge Loan | Permanent (Conventional) |
|---|---|---|
| Time to fund | 7-14 days | 30-45 days |
| Term | 3-36 months | 15-30 years |
| Rate | 8.5%-16% | Treasury/SOFR + 1.5-4% |
| Structure | Interest-only, balloon at exit | Fully amortizing |
| Best for | Acquisitions, value-add, bridge-to-perm, cash-out | Long-term hold of stabilized assets |
Planning your exit? Compare conventional loans and SBA loans for the permanent take-out.
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Frequently Asked Questions
Bridge financing is a short-term loan designed to 'bridge' the gap between an immediate capital need and longer-term financing. It's typically used for real estate acquisitions, property improvements, or business opportunities that require quick funding. Bridge loans usually have terms of 3-36 months and are repaid when permanent financing is secured or the property is sold.
Bridge loans can be funded in as little as 7-14 days, significantly faster than traditional commercial loans which take 30-90 days. The speed comes from streamlined underwriting focused on asset value and exit strategy rather than extensive income documentation.
Bridge loan rates typically range from 8.5% to 16% depending on the property type, loan-to-value ratio, borrower experience, and exit strategy strength. While higher than permanent financing, the short-term nature and speed of funding often justify the cost for time-sensitive opportunities.
Bridge financing is commonly used for property acquisitions before selling existing property, renovation or repositioning projects, purchasing distressed assets, business acquisitions, construction completion, and any situation where speed is critical and traditional financing is too slow.
Bridge loan requirements focus on asset value (up to 75% LTV), a clear exit strategy (sale or refinance plan), property condition assessment, and borrower experience. The minimum FICO is around 550 — credit requirements are more flexible than traditional loans since the asset serves as primary collateral.
Bridge loans are typically repaid through one of three exit strategies: refinancing into permanent long-term financing once the property is stabilized, selling the property, or using business cash flow. Most bridge loans are interest-only during the term with a balloon payment at maturity.
Both are short-term, asset-based loans that fund quickly, and the terms are often used interchangeably. In general, bridge loans tend to carry more favorable rates and structure for stabilized or near-stabilized commercial properties with a clear exit, while hard money is associated with higher-risk or heavy-rehab deals. Our bridge financing runs 8.5% to 16% with terms of 3-36 months.
Bridge loans are sized up to 75% loan-to-value, so you generally contribute at least 25% in equity or existing value in the property. Because underwriting centers on the asset and your exit strategy rather than income documentation, the minimum credit score is around 550, more flexible than traditional financing.
Still have questions? Our loan experts are here to help.