Bridge Financing
Short-term capital to bridge the gap between where you are and where you need to be. Whether you're closing on a property, completing construction, or transitioning between financing structures\u2014we move at your speed.
Bridge financing is short-term capital that covers the gap until a permanent loan or sale closes. Growth Fund Partners funds $50K to $5M with 3 to 24 month terms, rates from 8% to 14%, and interest-only payments — closing in days so you can buy before you sell or renovate before refinancing.
How bridge financing works
A bridge loan is short-term capital designed to cover a defined timing gap. You need money now, and you have a clear path to repay it\u2014a property sale, a refinance into permanent financing, or scheduled funds arriving on a known date. The bridge carries you from point A to point B without forcing you to wait for a traditional bank timeline.
Underwriting focuses on the collateral and your exit strategy rather than lengthy income documentation. We evaluate the property\u2019s value, the strength of your repayment plan, and the likelihood the exit will happen on schedule. That asset-and-exit approach is what lets us close in days rather than months.
Terms typically run 3 to 24 months with interest-only payments, rates of 8 to 14 percent, and loan amounts from $50,000 to $5 million. Because the structure is temporary by design, a bridge loan works best when you know exactly how and when you will take it out.
When bridge financing is the right tool
Bridge loans earn their cost when timing is the constraint and a lower-rate option simply cannot move fast enough. Common scenarios include:
- Buying before you sell. Close on a new commercial property while your current one is still on the market.
- Construction and value-add. Fund renovations or construction, then refinance into a permanent CRE loan once the project is stabilized.
- Acquisition under a deadline. Move fast on a deal where the seller or auction will not wait for traditional bank processing.
- Refinance bridge. Cover the gap while your permanent loan is in underwriting\u2014especially common when rolling from a hard money loan into conventional financing.
- Business transitions. Short-term capital during ownership changes, mergers, or major operational shifts.
A quick example
A restaurant group finds a second location for $800,000 but needs to close in 15 days\u2014before their SBA 504 loan can fund. A bridge loan at 70 percent LTV provides $560,000 to close now. Three months later the SBA loan funds at a below-market fixed rate, the bridge is repaid, and the total carrying cost was a few months of interest\u2014far less than the cost of losing the site.
Bridge Loan Programs
Short-term financing options for acquisitions and refinancing \u2014 close fast with flexible terms.
Rates & Terms
Transparent, current terms for this program. Final pricing depends on the deal, collateral, and borrower profile.
| Loan amount | $50,000 – $5,000,000 |
|---|---|
| Interest rate | 8% – 14% |
| Loan term | 3 – 24 months |
| Payment | Interest-only options |
| Time to close | As little as a few days |
| Exit | Sale, refinance, or scheduled funds |
Bridge Loan vs. Traditional Term Loan
| Feature | Bridge Loan | Traditional Term Loan |
|---|---|---|
| Time to close | Days | 30 – 60+ days |
| Loan term | 3 – 24 months | 1 – 25 years |
| Payment | Interest-only | Principal + interest |
| Approval basis | Collateral & exit strategy | Credit & cash flow |
| Typical rate | 8% – 14% | 6% – 10% |
| Best for | Timing gaps & fast moves | Long-term, planned needs |
Process & Timeline
A straightforward path from first conversation to funded — with no surprises along the way.
Scenario call (Day 1)
Walk us through the property, the timing gap, and how you plan to repay. We give you a straight answer on feasibility the same day.
Term sheet issued (Day 1–2)
We size the loan to your collateral, set the rate and term, and outline fees so there are no surprises.
Valuation & title (Day 2–5)
A broker price opinion or desk review confirms value while title work runs simultaneously.
Collateral-based underwriting (Day 3–7)
We underwrite the asset and your exit strategy — no lengthy income verification slowing things down.
Close & fund (Day 5–10)
Documents are signed and funds wired. Many bridge closings happen inside a week when the file is clean.
Sources & Market Data
- Roughly $957 billion of commercial mortgages matured in 2025, driving demand for short-term bridge capital ahead of refinancing. Mortgage Bankers Association, Commercial Real Estate Loan Maturity Volumes (2025).
- Bridge rates are benchmarked against the U.S. prime rate of 6.75%. Federal Reserve, Selected Interest Rates (H.15) (July 2026).
What to watch out for
The biggest risk in a bridge loan is an exit that does not materialize on time. If the property you planned to sell takes longer to close, or the permanent refinance hits an underwriting snag, you\u2019re carrying interest payments without a payoff date. Stress-test your timeline before you borrow.
Extension fees are another detail to nail down up front. Some bridge lenders charge 0.5 to 1 percent of the outstanding balance per extension period. Understand the cost of a worst-case delay before you sign.
Finally, make sure the permanent takeout is realistic. A bridge works best when your next financing step\u2014whether it\u2019s an SBA loan, a conventional CRE mortgage, or a sale\u2014is already in motion. For more on how bridge and hard money loans compare, read our hard money vs. bridge loan guide.
Frequently Asked Questions
Straight answers to the questions borrowers ask us most.
Bridge financing provides short-term capital to cover a gap — most often buying a new property before your existing one sells. It is also used for time-sensitive acquisitions, renovations, or seizing opportunities while permanent financing is arranged. Loans range from $50,000 to $5 million.
Bridge loans can close in a matter of days once your property and financials are reviewed. Because they are designed for speed, underwriting is streamlined compared with conventional loans, making them ideal when you need to act quickly on a deal or hard deadline.
Bridge loan rates typically range from 8% to 14%, reflecting their short-term, higher-speed nature. Your rate depends on the collateral, loan-to-value, and your credit profile. Because terms are brief, the total interest cost often stays reasonable relative to the opportunity it captures.
Bridge loans run from 3 to 24 months, giving you time to sell a property, complete renovations, or secure permanent financing. Many borrowers repay early once their exit event occurs, and we structure terms with a clear, realistic payoff strategy in mind.
You repay a bridge loan through a defined exit strategy — usually selling the bridged property, refinancing into a long-term loan, or receiving expected funds. We confirm a realistic exit before closing so you have a clear path to pay off the balance.
Bridge loans weigh your collateral and exit strategy heavily, so credit requirements are more flexible than conventional loans. Strong property equity and a clear repayment plan matter most. Borrowers with moderate credit can still qualify when the deal and collateral are solid.
Need Capital Fast?
Let us structure a bridge loan that fits your timeline and exit strategy.