Bridge Loans: When You Need Quick Capital

In competitive real estate markets, timing is everything. Bridge loans provide the immediate capital you need to seize time-sensitive opportunities while waiting for long-term financing or property sales. Here's everything you need to know about bridge financing in 2026.

What is a Bridge Loan?

A bridge loan is a short-term financing solution designed to "bridge" the gap between your current financial needs and your long-term funding. These loans typically last 6-24 months and are secured by real estate collateral. They're commonly used when:

• You need to purchase a new property before selling your current one
• You spotted an investment opportunity that requires quick action
• You need funds for property renovations before selling
• You're closing on a new investment and need temporary capital

Bridge Loan Rates and Terms in 2026

When to Use a Bridge Loan

Bridge loans are ideal for experienced investors who need quick access to capital. Consider a bridge loan when:

• Speed is Critical: Traditional financing takes weeks; bridge loans can fund in days.
• You Have Equity: Bridge loans typically require 20-30% equity in existing properties.
• Exit Strategy is Clear: You know exactly how you'll repay the loan (sale, refinance, etc.).