Bridge Loans in California from a Direct Portfolio Lender
A bridge loan is a short-term real estate loan, typically less than 12 months, that lets you buy, refinance or reposition a property before permanent financing or a sale is in place. Capital Bridge Partners funds bridge loans from $100,000 to $12,000,000 on residential and 2-4 unit multifamily property throughout California, in first or second position. Because we lend from our own portfolio, most bridge loans close in 3 to 7 business days.
When a bridge loan makes sense
Bridge financing is built for situations a bank cannot move on: a purchase that has to close in days, a property that is vacant, impaired or mid-renovation, a borrower with a credit history that does not fit a conventional box, or a seller who needs to pull equity out of one asset to close on the next. Our borrowers use bridge loans to win competitive purchases with a fast close.
Terms at a glance
Loan amount: $100,000 to $12,000,000
Term: 12 to 24 months
Interest rate: Starting at 10.99%
Position: 1st or 2nd
Closing timeline: 3 to 7 business days
Property types: Residential, multifamily, mixed-use, retail, commercial
Where we lend: California, with an emphasis on the Bay Area and Southern California
Bridge loan vs. construction loan
A bridge loan finances an existing property while you wait for a sale, refinance or stabilization. A construction loan finances the work itself, released in draws as ground-up or heavy-rehab construction is completed. If your project involves meaningful renovation, our construction loan or fix-and-flip loan programs may fit better. If you are not sure, tell us about the deal and we will structure the right one.
How fast can we close
Capital Bridge is a direct portfolio lender with no loan committee. We can issue terms the same day we review a deal and fund as soon as title and escrow are ready. Our fastest bridge closings have taken 3 days; a typical timeline is 3 to 7 business days.
Recently funded bridge loans
$450,000 first position bridge loan, Single-family residence (SFR), Berkeley, CA
$540,000 first position bridge loan, Single-family residence (SFR), Rancho Cordova,
$425,000 first position bridge loan, Single-family residence (SFR), Petaluma, CA - Close in 4 business days
$1,500,000 first position bridge loan, Single-family residence (SFR), Petaluma, CA
$2,900,000 first position bridge loan, Single-family residence (SFR), Burlingame, CA
See all recently funded loans.
Frequently asked questions
Do I need strong credit for a bridge loan? No. We underwrite the real estate first: its value, location, condition and your exit plan. Borrowers with impaired credit or a recent bankruptcy can qualify when the asset and equity support the loan.
Can you lend in second position? Yes. We prefer first-position loans but will consider seconds on strong collateral.
What do you need to issue terms? The property address, the purchase price or estimated value, the loan amount you need, your plan for the property and your exit. A short inquiry form is enough to start.
Start your bridge loan inquiry
Tell us about the property and what you need. Most inquiries get a same-day response. Get Funded or call 415-820-4770.
Related programs: multifamily and commercial bridge loans for apartment and mixed-use buildings, and cash-out refinance loans on property you already own.