When speed is everything. Close on a property in days, not months. Bridge loans and hard money financing are asset-based — meaning we focus on the deal, not your tax returns. Ideal for acquisitions, fix-and-flips, transitional properties, and time-sensitive opportunities.
Bridge loans are short-term financing (typically 6-36 months) designed to "bridge" the gap between an immediate capital need and long-term financing. They fund fast — often in days rather than weeks — and are underwritten primarily on the value of the asset rather than the borrower's income or credit history.
Hard money loans are a type of bridge loan funded by private capital sources rather than traditional banks. They're called "hard money" because the loan is secured by a "hard" asset — the property. This asset-based approach means approval focuses on the deal itself: the property value, the borrower's equity, and the exit strategy.
At Blackburn Business Capital, our network includes dozens of private lenders, bridge funds, and hard money specialists who can structure financing for virtually any property situation. Whether you're flipping a house, acquiring a commercial building at auction, or need fast capital to stabilize a transitional property, we match your deal with the right lender.
2-minute application. Basic business info.
We match you with the best lender from 100+ partners.
Compare terms and pick the best deal.
Funds deposited as fast as 24 hours.
No impact to your credit score
Purchase distressed residential properties, renovate them, and sell for profit. Financing based on the after-repair value (ARV), not the current condition.
A deal hits the market and you need to close in 10 days. Bridge financing lets you move at the speed of cash without actually tying up your capital.
Foreclosures, REO properties, and auction deals require fast proof of funds and rapid closing. Hard money is built for this.
Buy a partially vacant or underperforming property, lease it up or renovate it, then refinance into permanent financing at the new higher value.
Acquire entitled or raw land before it's gone. Bridge loans for land deals when banks won't touch it. Private money lenders understand land value.
You have a conventional loan in process but need to close now. A bridge loan closes the deal today while your bank loan works through underwriting.
While other buyers wait on bank approvals, you close. Speed is the ultimate competitive advantage in real estate.
We focus on the property value and your exit strategy — not your W-2s, tax returns, or debt-to-income ratio. The deal is what matters.
Most bridge loans are interest-only during the loan term, keeping your carrying costs low while you execute your business plan.
Leverage up to 80% of the property value (or ARV for fix-and-flip). Put less cash in each deal and do more deals simultaneously.
Our private lending partners build relationships with repeat borrowers. Do one deal well and your next deal gets faster terms and better pricing.
Every bridge loan needs an exit — sell, refinance, or stabilize. We help you plan the exit before you even close on the bridge so there are no surprises.
They're essentially the same concept — short-term, asset-based loans. "Bridge loan" is the broader term for any short-term loan that bridges to a long-term solution. "Hard money" specifically refers to loans from private (non-bank) capital sources. In practice, they're used interchangeably. What matters is the speed, the leverage, and the terms — not the label.
Bridge loan rates typically range from 8% to 14% annually, depending on the deal's risk profile, LTV, property type, and your track record. While higher than conventional loans, the interest-only payment structure keeps monthly costs manageable, and the short-term nature means you're only paying these rates for months, not years.
Our fastest closes have been under 5 business days. Typical bridge loan closings take 7-14 business days depending on the complexity, title work, and appraisal requirements. Some lenders can close with a desktop appraisal or BPO instead of a full appraisal, which speeds up the timeline considerably.
Credit is a factor but not the primary one. Bridge and hard money lenders focus mainly on the deal: the property value, your equity/down payment, and your exit strategy. Borrowers with credit scores in the 500s can get bridge loans if the deal makes sense. Strong deals with lower credit may just require more equity or a slightly higher rate.
Your exit strategy is how you plan to pay off the bridge loan. Common exits include: selling the property (fix-and-flip), refinancing into a permanent loan (value-add/stabilization), or selling a portion and refinancing the rest. Every bridge lender wants to see a clear, realistic exit before funding. We help you articulate and strengthen your exit strategy as part of the deal packaging.
Absolutely. Commercial bridge loans are available for office buildings, retail centers, hotels, multi-family, industrial, mixed-use, and more. Commercial bridge loans typically range from $500K to $25M+ and can close in 10-14 days. They're particularly useful for acquiring transitional commercial assets that need repositioning before qualifying for permanent financing.
Most bridge loans charge 1-3 origination points (1 point = 1% of the loan amount) plus the interest rate. Some lenders also charge exit fees or extension fees if you need more time. We present all fees transparently upfront so you can factor them into your deal analysis before committing.
Yes. Many bridge and hard money lenders offer "fix-and-flip" or "rehab" loan structures that include both the acquisition cost and the renovation budget. The renovation funds are typically held in escrow and released in draws as work is completed and inspected. This lets you finance the entire project — purchase plus rehab — in a single loan.
Have a deal that needs to close fast? Tell us about the property and your exit strategy. We'll match you with the right bridge or hard money lender from our private capital network.