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Bridge Loans

Quick Closing Transactions or
Repositioning of Debt

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Hard Money Bridge Loans

Bridge loans are often used by investors who need short-term financing to acquire a property quickly or to reposition debt across one or many investment properties. Some borrowers use bridge loans for as little as 30 days, while others utilize the loan for several years depending on the size and scope of the project.

Business Purpose Bridge Loans


1 Year: 9.00-13.00%
  • Great for investors who need quick closing
  • Closing within 3–14 days
  • Up to 75% of purchase price on residential and 70% on commercial properties
2 Year: 9.00% to 13.00%
  • Flexible term great for multiple exit strategies including fix & flip, buy & hold, or extended rehab
  • Up to 75% of the purchase price
  • Available for commercial and residential properties
  • Minimum 650 FICO

Business Purpose Loans

  • Investment property lending
  • Residential and commercial properties
  • $150,000 to $25 million
  • Stated income

Consumer Purpose Loans

  • Owner occupied 1-Yr bridge loans
  • Residential – CA, OR, UT, AZ, MT, FL
  • $250,000 to $5 million
  • Income verification:  W2, 1099, bank statements (business or personal)
  • Exit Strategy - sell existing home to pay off bridge loan or refinance into long-term financing.

Bridge Loan Success Stories

We know what investors need.

1 Bridge Loan - Southern California

72-Hour Closing – Los Angeles, CA

  • $3,000,000
  • 12-Month Term
2 Bridge Loans

Bridge to Sale – completed project – Los Angeles, CA

  • $13,000,000
  • 24-Month Term
3 Bank Bridge Loan

Bank Bridge Loan – Orange County, CA

  • $6,300,000
  • 12-Month Term w/ two 6mo extensions

Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply. 

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