Where complex deals close.

We arrange bridge, construction, and commercial real estate debt from $500K to $100M+, matched to the right lender in our 180+ lender network.

Our target is 10–21 days from a clean, complete file. Timelines extend when documentation, third-party reports, or entity paperwork are incomplete.

Bridge loans, commercial real estate (purchase, refinance, cash-out), residential investment (non-owner-occupied 1–4 unit SFR), ground-up construction and major rehab, real estate bailouts (foreclosure/distressed rescue), and specialty assets like assisted living, senior care, and DSCR loans.

Commercial deals typically run up to 65% LTV; residential up to 70% LTV. Other LTV/LTC structures are available and reviewed case by case based on asset type and sponsor strength.

Bridge capital is priced and structured around how and when you'll pay it off — sale, refinance into permanent debt, or stabilization. A vague or unsupported exit is one of the fastest ways to get a "no" or a worse rate, because the lender is underwriting your repayment plan as much as the asset.

A specific, documented path: a signed listing agreement or comparable sales supporting a sale exit, a refinance term sheet or realistic stabilized proforma for a refi exit, or a completion timeline tied to permits and construction draws for a build-to-stabilize exit. "We'll figure it out" is not an exit strategy a lender can underwrite.

It strengthens your file significantly. Markets shift mid-loan — rates move, buyers fall through, permits get delayed. Lenders want to see that you have a Plan B (e.g., refinance if the sale slips) so the loan doesn't stall at maturity.

Loan term should match your exit timeline with a reasonable buffer — a 12-month exit plan on a 12-month loan leaves no room for delay. Lenders price in that risk; a tight, unrealistic timeline often means a shorter term, higher rate, or required extension reserve.

At minimum: architectural plans/blueprints, a detailed construction budget (sources & uses), a general contractor agreement, and a realistic draw schedule tied to construction milestones.

Not always to start the conversation, but final underwriting on ground-up and major rehab deals will require evidence of entitlements — approved plans, permits issued or actively in process, and any required zoning/variance approvals. Deals with permits already in hand close significantly faster.

Any material change to approved plans or scope should be flagged to your lender immediately — unapproved scope changes can trigger a re-underwrite, delay draw disbursements, or violate loan covenants tied to the original plan set.

Lenders size construction loans off the approved plans and the cost budget tied to them — square footage, unit count, finish level, and specs all feed the as-completed valuation, which drives both the loan amount and the exit-value assumptions.

Permit delays directly affect your draw schedule and your exit timeline. Build permit contingency into your project schedule and communicate proactively — a lender who's blindsided by a delay is far less flexible than one who was told upfront.

For purchases: purchase agreement, personal financial statement, REO schedule, sources & uses, resume of experience, rent roll/lease copy, and 2 years of P&L. For construction: add approved plans, permits, GC agreement, and draw schedule. Items marked "if available" (appraisal, Phase 1 report) aren't required to start but speed up final underwriting.

Every missing document is a question a lender has to ask before they can commit — and every round of follow-up resets the clock. A complete file up front is the single biggest driver of hitting a 10–21 day close instead of a 60–90 day one.

It depends on leverage, deal structure, and lender. Some structures allow non-recourse; most bridge and construction deals at higher leverage carry some form of guaranty. We structure toward the most favorable terms your file supports.

Experience matters, but it's not disqualifying — a strong team (GC, property manager, co-sponsor) and a well-documented plan and exit strategy can offset limited direct experience.

Send the deal basics — loan request summary, property address, purchase price/value, requested amount and term, target LTV, and your exit strategy. We respond within one business day with an indicative structure and target lenders.