Bridge & Construction Loans
Fast, flexible short-term financing for purchases, refinances, fix & flip, and ground-up construction across California.
We are a California bridge lender and wholesale hard money lender providing private money loans secured by residential and commercial real estate statewide. We specialize in real estate bridge loans, 2nd trust deed financing, and construction/rehab capital for time-sensitive purchases, refinances, and value-add projects. Our process is built for fast underwriting, clear terms, and reliable closings — structured around collateral strength, exit strategy, and borrower experience.
Loan Parameters
| Traditional Private Money | Construction Loans | ||||
|---|---|---|---|---|---|
| 1st Trust Deed | 2nd Trust Deed | Land Loans | High LTV Rehab | Ground-Up Construction | |
| Interest Rates | As low as 8.99% | As low as 9.99% | As low as 10.99% | As low as 9.99% | As low as 9.99% |
| Max LTV / CLTV | Up to 70% | Up to 70% CLTV | Up to 50% | Up to 85% LTC / 65% ARV | Up to 75% of Cost / 65% ARV |
| Lien Position | 1st | 2nd | 1st | 1st | 1st |
| Loan Amount | Up to $5,000,000 | Up to $5,000,000 | Up to $5,000,000 | Up to $5,000,000 | Up to $5,000,000 |
| Loan Term | Up to 36 Months | 12 Months | Up to 36 Months | 12 Months | 12 Months w/ Extensions |
| Prepayment | Case-by-Case | Case-by-Case | Case-by-Case | None | None |
| Loan Fees | 1–3 pts | 2–4 pts | 1–3 pts | 2–3 pts | 2–3 pts |
| Closing Times | As little as 3 days | As little as 3 days | As little as 3 days | 2–4 Weeks | 2–4 Weeks |
| Geography | California Only | California Only | California Only | California Only | California Only |
| Property Types | Residential & Commercial | Residential & Commercial | Residential | Residential | Residential |
Notes:
- 1.Compensating Factors Required for LTV's between 60% and 70%. Loan may be structured as 1st and 2nd Trust Deed.
- 2.Infill lots to 50% LTV. Raw land loans to 25% LTV.
- 3.A strategy with the subject property is required.
- 4.Exceptions available to a 120-month term.
- 5.Some limited commercial construction is available.
- 6.Exceptions available for a lower rate for well-qualified borrowers.
- 7.Full Package includes title, insurance, appraisal/valuation, etc.
- 8.Higher loan amounts considered Case-by-Case.
Max loan amount up to $5,000,000. California only. Business purpose loans only. Final pricing may vary based on loan and borrower parameters.
Quick Guidelines
Bridge (Purchase / Refinance)
Residential, Commercial & Land
2nd Trust Deeds
Ground-Up Construction
Fix & Flip / Rehab Loans
Minimum Loan Amount: $100,000
Submission Requirements
Residential Bridge Loan — 1st Trust Deed▼
For Initial Review/Submission
Online Submission Form or PDF
Application
Appraisal, Color Photos, or MLS Link
Purchase Agreement (if a purchase)
Credit Report (if available)
To Close
Appraisal/Valuation
2 Months Bank Statements & Voided Check
Copy of Driver's License or Other ID
Insurance
Lease Agreement(s)
Title/Escrow (if a purchase)
Entity Docs (if applicable)
Residential Bridge Loan — 2nd Trust Deed▼
For Initial Review/Submission
Online Submission Form or PDF
Application
Appraisal, Color Photos, or MLS Link
Mortgage Statement on 1st
Credit Report (if available)
To Close
Appraisal/Valuation
2 Months Bank Statements & Voided Check
Copy of Driver's License or Other ID
Insurance
Lease Agreement(s)
Promissory Note on 1st
Entity Docs (if applicable)
Fix & Flip▼
For Initial Review/Submission
Online Submission Form or PDF
Application
Appraisal, Color Photos, or MLS Link
Purchase Agreement (if a purchase)
Credit Report (if available)
PDF Copy of Plans (if available)
Rough Budget
Sponsor & GC Resume/Bio
To Close
Appraisal/Valuation
2 Months Bank Statements & Voided Check
Copy of Driver's License or Other ID
Insurance
Finalized Budget
Contract with GC (including GC insurance)
Contract with Architect
Copies of Permits
Entity Docs
Commercial Bridge Loan — 1st Trust Deed▼
For Initial Review/Submission
Online Submission Form or PDF
Application
Appraisal, Color Photos, or MLS Link
Purchase Agreement (if a purchase)
Previous Year & YTD P&L
Rent Roll
Any Environmental Work Available
To Close
Appraisal/Valuation
2 Months Bank Statements & Voided Check
Copy of Driver's License or Other ID
Insurance
Lease Agreement(s)
Title/Escrow (if a purchase)
Entity Docs
Environmental Review
Ground-Up Construction▼
For Initial Review/Submission
Online Submission Form or PDF
Application
Appraisal, Color Photos, or MLS Link
Purchase Agreement (if a purchase)
PDF Copy of Plans (if available)
Rough Budget
Sponsor & GC Resume/Bio
Copies of Permits (if available)
To Close
Appraisal/Valuation
2 Months Bank Statements & Voided Check
Copy of Driver's License or Other ID
Insurance
Finalized Budget
Contract with GC (including GC insurance)
Contract with Architect
Copies of Permits
Entity Docs
3rd Party Reports (as applicable)
Ready to Move Fast?
Your Deal Won't
Wait. Neither Do We.
Approvals in 6–24 hours. Funded in as little as 7 days. No minimum credit score. California's fastest hard money lender for private money loans.