Loan Programs

Bridge Loans for Real Estate Investors

Short to medium-term capital for acquisitions, transitions, and gap financing. Close the deal now. Arrange permanent financing on your timeline.

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What Is a Bridge Loan

Gap Financing for Real Estate Operators

A bridge loan is short to medium-term financing that allows a real estate investor to close on a property while longer-term financing is being arranged, a property is being stabilized, or an exit event is being prepared. It bridges the gap between where you are and where you need to be.

Bridge loans are common in situations where speed is essential — a time-sensitive acquisition, a seller who will not wait for conventional financing, a property coming out of distress, or an investor who needs to close before their conventional lender is ready. Welmore Partners funds these situations because we understand the deal dynamics that create them.

Loan Structure

Typical Terms

Leverage

Competitive LTV on stabilized assets
Cross-collateralization available
Structure evaluated deal by deal
No fixed LTV ceiling — asset dependent

Loan Details

$75,000 to $3M+
12 to 24 month terms
Interest only available
No prepayment penalty options

Process

Decision in 48 hours
Close in as few as 7 business days
Direct principal review
Flexible structures for complex deals

Who We Fund

Common Bridge Loan Scenarios

Acquisition of a time-sensitive or off market property before permanent financing is in place
Transitioning a property from construction or renovation to stabilized occupancy
Acquiring a distressed or non conforming asset that banks will not touch yet
Buying out a partner or settling an estate with speed requirements
Probate acquisitions and complex ownership structures that require fast close
Operators who have been approved for conventional financing but need to close before it funds

Common Questions

Bridge Loan FAQ

How is a bridge loan different from a fix and flip loan? +

Fix and flip loans are designed for properties being purchased, renovated, and sold. Bridge loans are designed for a broader range of situations — stabilized acquisitions, transitional assets, and gap financing between deals. A bridge loan does not necessarily involve renovation. Both are short to medium-term, asset-based, and close fast.

Can you close in under two weeks? +

Yes, in many cases. For straightforward deals where the borrower provides complete documentation promptly, we have funded in 7 business days. Complex title, insurance delays, or third party appraisal timelines can extend this. If speed is critical, tell us upfront and we will structure the process accordingly.

Do you lend on distressed properties? +

Yes. We regularly fund acquisitions on distressed or non conforming properties that conventional lenders decline. We evaluate the asset and the exit strategy, not the current condition alone. Distressed acquisitions with clear renovation or stabilization plans are a core part of what we do.

What is the exit strategy for a bridge loan? +

Common exits include sale of the property, refinance into a conventional or DSCR loan, or payoff from another capital event. We evaluate exit viability as part of underwriting. A clear, realistic exit is a requirement — not just a preference.