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Bridge & Hard Money Loans

When you need business financing today, not in weeks or months, consider a bridge or hard money loan. Be approved for real estate, equipment, construction, and working capital financing in as little as 24 hours by taking advantage of our extensive lender network.

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What are Bridge & Hard Money Loans?

A bridge loan gets you immediate financing that “bridges” the gap between the application and financing of long-term loans. When the bridge loan term is up, it can be paid off with the long-term loan or the sale of assets. These loans are a favorite of “fix & flip” real estate investors because access to quick cash makes them competitive in tough markets. When the real estate is restored and sold, a portion of the sale goes back toward the loan.

Hard money loans are loans that are secured on your business’s “hard” assets. These assets can be real estate, equipment, contracts, or interest in the company. Like bridge loans, hard money loans are short-term financing solutions that can be paid back or transitioned to long-term financing at the end of their term. Hard money loans are a smart way to cover immediate expenses and unexpected charges.

Types of Bridge & Hard Money Loans

Real Estate

Whether your business is renovation and resale or looking to expand into new territory, a bridge loan can help you get what you need fast. You can use funds to purchase, restore, or refinance new real estate. Loans can also be secured on your current real estate assets. Leverage the value of your real estate to enhance cash flow to other areas of your business. Talk to us about how to secure a loan today.

Equipment

Few businesses run without some type of equipment. If it’s not vehicles and machinery, it may be software and computer systems. Use a hard money loan to pull in new resources for your team or update existing equipment. We’ll match you with the best financing options available so you can have cash in hand right away. Not ready to buy? We have leasing and sales-leaseback options too.

Advantages of Bridge & Hard Money Loans

No long-term commitments.
Approvals in hours, not weeks.
Refinancing for a better rate frees up working capital.
Cover real estate, equipment, construction, and working capital expenses quickly.

Frequently Asked Questions

When are Bridge & Hard Money Loans not a good fit?

Because of the short-term nature of bridge and hard money loans, interest rates may be higher than the rates on a traditional bank loan. If you have time to wait for long-term financing, it may be more affordable.

What if I don’t have collateral?

If you’re bringing in new assets, those assets may be used to secure alternative long term financing. If you don’t yet have valuable assets in the business, you may qualify for an unsecured loan or be able to use a combination of assets to secure a loan. We’ll find the right lender and the right type of loan for your specific needs.

Are bridge and hard money loans safe?

Each lender in our network has been vetted through our advanced system to ensure credibility, reliability, and adherence to local and national regulations. We don’t do business with fly-by-night operations or unlicensed lenders. If a bridge or hard money loan is not right for your situation, we will tell you. We always disclose all terms upfront and answer all questions until you are satisfied in your lending choice.

Is a bridge or hard money loan right for my business?

Depending on your short and long-term goals, these loans can be useful financial tools. They’re fast, flexible, and available with different terms and rates. Let’s discuss your business needs and match you with the financing that fits.

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