01
Acquisition Before Sale
You found the right property but your current asset hasn't sold yet. A bridge loan lets you close on the acquisition without waiting for the sale to complete.
Bridge Loans · California Private Capital
Close Fast.
Finance the Gap.
Bridge loans for California real estate investors who need to move before conventional financing is ready. Asset-based approval, 7 to 14 day close, and terms structured around your exit strategy.
7–14
Day Close
75%
Max LTV
24mo
Max Term
Asset
Based Approval
When Bridge Financing Makes Sense
Common Use Cases
Bridge loans solve timing problems. The situations below are the most common scenarios executed in Southern California markets.
02
Rehab to Permanent
The property doesn't yet qualify for conventional or DSCR financing in its current condition. A bridge loan funds the acquisition and holds through the stabilization period.
03
Competitive Offer Speed
Sellers in SoCal markets respond to speed. A bridge loan allows you to make a near-cash offer and close in days rather than weeks, which wins deals that conventional financing cannot.
04
Maturity or Payoff Pressure
An existing loan is maturing and permanent financing isn't ready. A bridge loan extends the runway without triggering default or forcing a distressed sale.
05
NOD or Foreclosure Prevention
A property in Notice of Default needs a fast payoff to stop the foreclosure clock. Bridge financing executes in the timeline the situation requires.
06
Construction Holdback
Ground-up or major renovation projects that need interim financing while the asset is being built or repositioned before takeout financing becomes available.
Program Parameters
Bridge Loan Structure
General parameters across California bridge lending programs. Exact terms are deal-specific and depend on asset type, LTV, and exit strategy.
| Parameter | Typical Range | Notes |
|---|---|---|
| Loan Term | 6 to 24 Months | Extensions available depending on exit progress and lender |
| Maximum LTV | Up to 75% | Based on current as-is value; higher on select programs with strong exit |
| Close Time | 7 to 14 Days | Requires clean title and clear property condition |
| Income Documentation | Not Required | Approval is asset-based; income docs do not drive the decision |
| Credit | Flexible | Credit is reviewed but is not the primary qualification factor |
| Property Type | Non-Owner Occupied | SFR, multi-family, commercial, and mixed-use considered |
| Interest Structure | Interest Only | Most bridge programs are interest-only during the term |
| Prepayment | Flexible | Many programs have limited or no prepayment penalty |
Before the Loan Closes
Your Exit Strategy Matters
Bridge lenders underwrite the exit as much as the entry. Knowing how you plan to retire the bridge loan affects program selection, rate, and term negotiation from day one.
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Sale of the Asset The most straightforward exit. The bridge loan is retired at closing when the property sells. Works best when the hold is short and the sale market is strong.
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Permanent Financing Takeout The bridge holds while the property is stabilized or renovated, then a conventional, DSCR, or agency loan replaces it once the asset qualifies.
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Refinance to DSCR A value-add property that wasn't generating enough rent at acquisition stabilizes through the bridge period, then exits into a DSCR loan once the income supports it.
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Sale of Another Asset You're bridging because a different property is pending sale. When that sale closes, proceeds retire the bridge loan. Timing needs to be accounted for in the term.
"Speed and structure. Those are the two things that close bridge deals."
Bridge lending isn't about getting the cheapest rate. It's about getting the right structure in place fast enough to execute on a time-sensitive opportunity or avoid a time-sensitive problem.
Every bridge deal submitted is reviewed for exit viability, LTV positioning, and the fastest executable structure given the current lender relationships. Direct access. No broker chains.
Submit Your DealRelated Programs
Common Questions
Bridge Loan FAQ
A bridge loan is short-term financing that bridges the gap between acquiring a property and securing permanent financing or completing a sale. The lender approves the loan based primarily on the asset value rather than the borrower's income or employment. Terms typically run 6 to 24 months. The loan is retired when the exit event occurs — typically a sale or refinance into permanent financing.
Bridge loans can close in 7 to 14 days when the file is clean and the property is clear. Title needs to be ordered immediately, the appraisal or broker price opinion completed quickly, and any existing liens identified upfront. Delays most often come from title issues, deferred maintenance conditions, or incomplete borrower information. If the situation is urgent, calling directly is faster than the form.
Most bridge programs go up to 75% LTV based on the current as-is value. Some programs can reach higher LTV on assets with strong exit strategies and lower risk profiles. The LTV is the most important variable in the bridge underwrite. The lower the LTV, the more program options are available and the better the terms.
No. Bridge loans are asset-based. The approval decision is driven by the property value, the LTV, and the exit strategy. W-2s, tax returns, and employment verification are not required. This makes bridge financing accessible for self-employed borrowers, foreign nationals, and investors who do not fit conventional income documentation requirements.
The terms often overlap. Hard money refers to asset-based lending where approval is primarily equity-driven rather than income-driven. Bridge loans are short-term loans designed to bridge a timing gap. In practice, most hard money loans are structured as bridge loans. The distinction that matters is how the lender underwrites the file — asset value, exit strategy, and LTV — which is the same for both.
Non-owner occupied residential, multi-family, mixed-use, and commercial properties are the most common property types for bridge financing in California. Owner-occupied bridge programs exist in limited situations. The property type, condition, and location all factor into which lender programs are available and at what terms.
Time-Sensitive Deal?
Call or Submit Now.
Bridge loan inquiries are reviewed the same day. For urgent situations, calling is faster. Every file goes directly to Troy, not a call center or intake team.