Bridge Loans
Short-term transitional financing that bridges the gap between real estate transactions. Move quickly without waiting for traditional financing.
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What Are Bridge Loans?
Bridge loans are short-term financing that "bridges" the gap between transactions. Use them when you need capital quickly—to purchase property, access equity, or manage timing between buying and selling. Perfect for Utah investors in Salt Lake City and Utah County who need fast funding.
Unlike fix and flip loans focused on renovation, bridge loans are about timing and liquidity. They're repaid when permanent financing is secured, a property sells, or another liquidity event occurs. Learn more about exit strategies in our glossary.
When Bridge Loans Make Sense
Quick Acquisitions
Close on time-sensitive deals before selling existing property or securing permanent financing.
Cash-Out Bridge
Access equity in existing properties while arranging permanent financing.
Timing Gaps
Bridge the gap when your current property hasn't sold but you need to close on a new one.
Portfolio Transitions
Facilitate 1031 exchanges or portfolio rebalancing when timing doesn't align.
The Speed Advantage
Traditional lenders take 30-60+ days. Bridge financing can close in days. This speed comes from asset-based underwriting—focusing on property value rather than extensive documentation. Ryan Davies helps structure your bridge loan and coordinates with our lending partners.
For investors competing against cash buyers or facing tight deadlines, bridge loans provide the speed and certainty needed to win deals.
Bridge Loan Advantages
- Close in days, not weeks
- Asset-based approval
- Flexible terms
- Interest-only options
- No prepayment penalties (typical)
- Bridge multiple transactions
Common Bridge Loan Scenarios
Purchase Bridge
Buy now, repay when existing property sells.
Cash-Out Bridge
Unlock equity while arranging permanent financing.
Refinance Bridge
Prevent default while finalizing long-term solution.
Acquisition Bridge
Fast closing, refinance later into conventional.
Construction Exit
Pay off construction loan while permanent closes.
1031 Exchange Bridge
Meet exchange deadlines while sale closes.
Frequently Asked Questions
A bridge loan is short-term financing that 'bridges' the gap between real estate transactions. It provides quick capital when you need to purchase a property before selling another, access equity while arranging permanent financing, or manage timing gaps in transactions. Bridge loans typically have 6-24 month terms.
NO PRIMARY RESIDENCES • NON-OWNER OCCUPIED ONLY • BUSINESS AND COMMERCIAL USE ONLY
All bridge loans are business-purpose only and non-owner occupied. We do not provide financing for primary residences or consumer loans.
Need Bridge Financing?
Contact Ryan Davies directly to discuss your bridge loan structure.
Prefer to learn first? Check out our free education resources or use our deal calculators.