Bridge Loans
What Is a Bridge Loan?
A Bridge Loan is a short-term, asset-based loan designed to “bridge” the gap between purchasing or refinancing a property and a longer-term exit, such as a sale or permanent loan—see our loan programs for bridge and more.
Bridge loans are ideal when:
- A property is not yet stabilized
- Speed is critical
- Conventional financing is not available
- The borrower needs temporary capital to execute a business plan
At Nadlan Financing, we structure bridge loans for residential, multifamily, and commercial assets, including foreign-national borrowers
Who Can Qualify?
US Citizens
Permanent Residents
Non-Permanent Residents
Foreign Nationals
Individual or LLC ownership
Experienced & transitional investors
Eligible Property Types
| Residential | Commercial |
|---|---|
| Single-Family Homes (SFR) | Multifamily (5+ units) |
| 2–4 Unit Multifamily | Mixed-Use |
| Condos (case-by-case) | Retail |
| Short-Term Rentals | Office |
| Industrial | |
| Transitional or Value-Add Assets |
Lending Criteria – Bridge Loans
Typical Lender Requirements
| Criteria | US Investors | Foreign Investors |
|---|---|---|
| Max LTV | Up to 80% | Up to 70% |
| Credit Score | 620+ | 0 |
| Loan Size | $75K – $20M+ | $75K – $10M |
| Term Length | 6–36 months | 6–24 months |
| Interest Type | Interest-Only | Interest-Only |
| Amortization | None | None |
| Rehab / TI | Available | Available |
| Ownership | Individual / LLC | LLC |
| Prepayment Penalty | None or minimal | None or minimal |
| Closing Timeline | 10–30 days | 10–40 days |
Required Documentation
US Borrowers
- Government-issued ID
- Property details & business plan
- Existing loan payoff (if refinance)
- Insurance binder
- LLC documents (if applicable)
Foreign Investors
- Passport
- US LLC + EIN
- US bank account
- Proof of liquidity
- Exit strategy (sale or refinance)
Why Choose Nadlan Financing for Bridge Loans?
Access to private & institutional bridge lenders
Fast underwriting & closings
Flexible exit strategies
Residential & commercial expertise
Foreign-national friendly programs
Frequently Asked Questions (FAQs)
What is the difference between a bridge loan and a fix & flip loan?
Bridge loans are broader and can be used for acquisition, refinance, or stabilization, while fix & flip loans are specifically for purchase + rehab + resale.
Can bridge loans be used for refinances?
Yes. Bridge loans are commonly used to refinance maturing or high-risk debt.
Do bridge loans require income verification?
Usually no. These loans are asset-based, focusing on the property and exit strategy.
Can foreign investors qualify?
Yes. We offer bridge loan programs for foreign nationals using US LLC structures.
What are typical exit strategies?
- Sale of the property
- Refinance into DSCR or permanent loan
- Portfolio refinance