Since 2012, we've funded loans from $100,000 to $10,000,000 on residential and commercial properties across the Western U.S. Three core programs, all structured to your timeline.
A short-term loan for homeowners purchasing a new primary residence before the sale of their current home — enabling competitive non-contingent offers, top-dollar resale, and access to the best long-term financing.
A Residential Business-Purpose loan is used to purchase an investment property — or for a cash-out refinance where the funds support any business purpose. Eligible properties include Fix-and-Flip projects and single-family rentals.
Short-term financing for borrowers acquiring or repositioning commercial & multifamily properties before securing permanent debt. Typical use cases: time-sensitive acquisitions, value-add execution, and discounted payoff opportunities.
A quick side-by-side. Final terms are structured to the specific deal — these are typical ranges, not hard caps.
| Owner-Occupied Bridge | Residential BPL | Commercial Bridge | |
|---|---|---|---|
| Loan size | $100K – $5M | $100K – $5M | $500K – $10M |
| Term | 12 months | 6 – 24 months | 6 – 24 months |
| Max LTV | Up to 65% | Up to 70% | 65% LTV · 70% LTC |
| Asset types | Primary residence | 1–4 SFR | Multifamily, Industrial, Self-Storage, Mobile Home Parks, Office & Retail |
| Typical use | Buy before you sell | Acquisition, Flip, Rental, Cash-Out | Acquisition, Renovation, Lease-up, Note Financing |
| Typical close | 7 – 13 business days | 3 – 5 business days | Two weeks or less |
| Rates | Starting at 10.99% | Starting at 10.99% | Starting at 10.99% |
Most inquiries receive a same-day callback. Signed term sheets typically within 48 hours.