Best Bridge Lenders for Real Estate Investors (2026)
Short-term financing that bridges the gap between acquiring a property and securing permanent financing or selling. Used for value-add acquisitions, lease-up periods, and time-sensitive purchases.
Typical Rates
8%–12%
Max LTV
70%–80%
Typical Terms
6–36 months
Min Credit
620–680
What Are Bridge Loans?
Bridge loans are transitional financing that gets you from point A to point B in your investment strategy. The most common use cases: buying a distressed multifamily property that needs renovation before it qualifies for permanent agency debt, acquiring a rental property quickly while waiting for another property to sell, or funding the acquisition phase of a BRRRR deal. Bridge loans are interest-only during their term, keeping your carrying costs low while you execute your value-add plan. The key to successful bridge lending is having a realistic exit strategy — you need to know exactly how you'll refinance or sell before the bridge term expires.
Who Are Bridge Loans Best For?
- Value-add multifamily acquisitions
- Properties in lease-up that don't yet qualify for permanent financing
- Investors buying before their current property sells
- Quick acquisitions that will refinance to DSCR or conventional
Pros & Cons
Pros
- +Fast closings (10–21 days)
- +Funds acquisitions that don't qualify for permanent financing yet
- +Interest-only payments preserve cash during value-add period
- +Available for commercial and multifamily
Cons
- –Higher rates than permanent financing
- –Requires a clear exit strategy (refinance or sell)
- –Origination fees of 1–3 points
- –Risk of extension costs if exit takes longer than planned
Best Bridge Lenders (12)
These lenders offer bridge loans, ranked by our editor rating. Click any lender for a full review with detailed terms and expert analysis.
| Lender | Rates | Max LTV | Min Credit | Speed | Best For | Rating |
|---|---|---|---|---|---|---|
| Kiavi | 6.5%–12% | 80% | 640 | 10–21 days | Volume flippers, BRRRR investors | 4.5 |
| CoreVest | 6.5%–10% | 75% | 660 | 21–45 days | Portfolio investors (5+), Build-to-rent developers | 4.4 |
| Lima One Capital | 7%–12.5% | 80% | 660 | 14–21 days | New investors, BRRRR strategy | 4.3 |
| Easy Street Capital | 6.75%–12% | 80% | 640 | 10–21 days | Texas investors, First-time investors | 4.2 |
| RCN Capital | 6.5%–12% | 80% | 620 | 14–21 days | DSCR investors, Low credit score borrowers | 4.1 |
| Civic Financial Services | 7.5%–12% | 80% | 640 | 10–21 days | All-in-one lender, Institutional-backed stability | 4.1 |
| New Silver | 7.5%–13% | 80% | 650 | 5–10 days | Speed-focused investors, Auction buyers | 4.0 |
| Tidal Loans | 7%–13% | 80% | 620 | 7–14 days | Texas investors, Fast closings | 4.0 |
| Aloha Capital | 8%–12% | 80% | 650 | 7–14 days | Experienced flippers, Transparent pricing | 4.0 |
| Arrived (formerly Fund That Flip) | 8.5%–12% | 85% | 640 | 10–14 days | Experienced flippers, Bridge financing | 3.9 |
| Roc Capital | 7%–12% | 80% | 620 | 10–21 days | Full-product investors, Low credit score borrowers | 3.9 |
| Park Place Finance | 9%–13% | 75% | 600 | 7–14 days | Small loan amounts, Flexible property types | 3.7 |
Kiavi
4.5Kiavi (formerly LendingHome) is one of the largest tech-enabled lenders for real estate investors, offering fix-and-flip and DSCR rental loans with a fully digital platform. Known for fast closings and competitive pricing for experienced investors.
6.5%–12%
80%
640
10–21 days
$100K–$3M
No experience required
CoreVest
4.4CoreVest (a Redwood Trust company) specializes in rental portfolio loans and build-to-rent financing. The go-to lender for investors with 5+ rental properties who want to consolidate under one blanket loan.
6.5%–10%
75%
660
21–45 days
$500K–$100M
5+ deals
Lima One Capital
4.3Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.
7%–12.5%
80%
660
14–21 days
$75K–$5M
No experience required
Easy Street Capital
4.2Easy Street Capital is a fast-growing investor lender offering DSCR, fix-and-flip, and bridge loans with an emphasis on speed and customer service. Known for competitive rates and a borrower-first approach.
6.75%–12%
80%
640
10–21 days
$75K–$2M
No experience required
RCN Capital
4.1RCN Capital is a national lender specializing in fix-and-flip, bridge, and long-term rental (DSCR) loans for real estate investors. Known for competitive rates on DSCR products and a straightforward closing process.
6.5%–12%
80%
620
14–21 days
$75K–$2.5M
No experience required
Civic Financial Services
4.1Civic Financial Services is a private money lender offering business purpose loans including fix-and-flip, bridge, and DSCR products. A subsidiary of Pacific Western Bank, providing institutional backing with private lender flexibility.
7.5%–12%
80%
640
10–21 days
$75K–$5M
No experience required
New Silver
4.0New Silver is a technology-first hard money and DSCR lender that emphasizes speed, offering instant term sheets and same-day pre-approvals. A strong option for fix-and-flip investors who need certainty and speed.
7.5%–13%
80%
650
5–10 days
$100K–$5M
No experience required
Tidal Loans
4.0Tidal Loans is a Texas-based hard money and DSCR lender known for fast closings and strong presence in the Texas investment property market. A regional favorite for Texas investors.
7%–13%
80%
620
7–14 days
$75K–$2M
No experience required
Aloha Capital
4.0Aloha Capital is a tech-enabled hard money lender offering fix-and-flip and bridge loans with a focus on transparency and speed. Known for clear pricing and a streamlined digital process.
8%–12%
80%
650
7–14 days
$150K–$3M
1–2 deals
Arrived (formerly Fund That Flip)
3.9Arrived (formerly Fund That Flip) offers fix-and-flip and bridge loans for real estate investors. Known for a technology-forward platform and competitive terms for experienced flippers.
8.5%–12%
85%
640
10–14 days
$100K–$3M
1–2 deals
Roc Capital
3.9Roc Capital (Roc360) is a nationwide hard money and DSCR lender providing fix-and-flip, bridge, and rental loans for real estate investors. Known for a wide product suite and competitive pricing.
7%–12%
80%
620
10–21 days
$75K–$5M
No experience required
Park Place Finance
3.7Park Place Finance is a private lender specializing in hard money, bridge, and fix-and-flip loans. Known for flexibility on property types and deal structures.
9%–13%
75%
600
7–14 days
$50K–$2M
No experience required
Frequently Asked Questions About Bridge Loans
How is a bridge loan different from hard money?
Bridge loans and hard money overlap significantly. The main distinction: "hard money" typically refers to fix-and-flip / rehab-focused loans from private lenders, while "bridge loans" are broader — they include value-add multifamily, lease-up financing, and commercial acquisitions. Bridge loans are often from larger institutional lenders and may offer slightly better terms.
Can I get a bridge loan for a multifamily property?
Yes — bridge-to-permanent financing is the standard path for value-add multifamily acquisitions. You acquire with a bridge loan, renovate units, increase rents, stabilize occupancy, then refinance to agency debt (Fannie Mae Small Balance or Freddie Mac SBL) at much better long-term rates.
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