Bridge Capital That Closes in Weeks, Not Months

When the deal won't wait for a 90 day bank process, bridge financing gets you to the closing table fast, then you refinance on your terms.

Fast Capital for Time Sensitive Deals

Bridge loans exist for one reason: speed. A good deal doesn't care about your lender's underwriting timeline. CapitalAx sources bridge capital from private lenders, family offices, and debt funds that can issue term sheets in days and close in two to three weeks. We've arranged bridge loans from $500K to $25M+ for acquisitions, value-add repositioning, lease-up periods, and situations where a property doesn't yet check every box for permanent financing. The key to every bridge deal is the exit, and we structure loans with clear paths to conventional or agency takeout.

Key Terms

Loan Range: $500K to $25M+
Terms: 6 to 36 months
LTV: 75% to 80%
Rate Type: Fixed short-term
Speed: Close in 10 to 21 days
Prepayment: Flexible or no penalty

Who Is It For

  • Investors acquiring value-add or distressed commercial properties
  • Operators repositioning assets before permanent financing
  • Business owners needing fast capital for time-sensitive purchases
  • Developers bridging to construction or permanent debt
  • Borrowers with properties that don't yet qualify for conventional financing

Common Use Cases

  • Acquisition of stabilizing or value-add properties
  • Bridge to permanent loan takeout
  • Lease-up period financing
  • Renovation and repositioning capital
  • Quick-close competitive acquisitions

Borrower Scenarios

  • An investor under contract on a 24-unit apartment building with below-market rents, needing to close in 14 days before the seller's backup offer deadline, funded with a 12-month bridge at 75% LTV.
  • A developer who just completed a 60-unit lease-up reaching 85% occupancy, bridging for 6 months until the property seasons enough to qualify for agency permanent financing at significantly lower rates.
  • A partnership acquiring a distressed office building at 40% below replacement cost, using bridge capital to fund the purchase and a $400K renovation before refinancing into a 10-year fixed conventional loan.
  • A foreign national investor purchasing a waterfront mixed-use property that conventional lenders declined due to non-standard income documentation, closed through a private bridge lender in 18 days.

Why CapitalAx

Direct Relationships With Private Capital Sources: We source bridge capital directly from family offices, private debt funds, and non-bank lenders who can issue term sheets in 48 hours and fund in under three weeks, cutting out the layers that slow institutional bridge lending.
Exit Strategy Engineering Before Closing: Every bridge loan we structure includes a mapped-out exit to permanent financing. We pre-qualify the takeout with conventional or agency lenders before the bridge closes, so there are no surprises when the bridge term matures.
Competitive Rate Shopping Across Capital Stacks: Bridge pricing varies wildly between lenders. We run every deal through multiple capital sources simultaneously and present you with a comparison of rates, fees, prepayment terms, and extension options so you make an informed decision.

Frequently Asked Questions

How fast can a bridge loan close?

Many bridge lenders can close in 10 to 21 days with clean title, appraisal, and borrower documentation. Repeat borrowers with established lender relationships may close even faster.

What is the exit strategy for a bridge loan?

The most common exit strategies include refinancing into a permanent conventional or agency loan, selling the stabilized property, or completing a repositioning plan that qualifies the asset for long-term debt.