Bridge Loans for Real Estate Investors
Tallridge provides bridge loans from $500K to $50M for real estate acquisition and repositioning. We offer 6-36 month terms with up to 85% LTV, interest-only payments, and closing in 15-21 days. Ideal for value-add projects, renovation financing, and time-sensitive opportunities when traditional banks can't move fast enough.
Fast capital to secure your next deal. Close in days. Terms that match your plan.
What are the key facts about Tallridge bridge loans?
| Parameter | Typical Range / Details |
|---|---|
| Loan Amount | $500k–$50M |
| Term | 6–36 months; interest-only |
| LTV | Up to 85% (asset-dependent) |
| Close Speed | 15–21 days (typical, subject to diligence) |
| Asset Types | Multifamily, industrial, mixed-use, office, hospitality |
| Use of Proceeds | Acquisition, renovation, lease-up, recapitalization |
What is a bridge loan and when should you use it?
A bridge loan is a short-term, asset-backed loan that "bridges" the gap until long-term financing or sale.
Use it when speed is critical—such as seizing a below-market acquisition, funding a renovation before stabilization, or refinancing an existing short-term obligation.
How do the terms and fees work?
Bridge loans are usually interest-only, keeping monthly payments lower during the hold period. You'll pay an origination fee and standard third-party closing costs (title, appraisal, legal). Rates vary with leverage, property type, location, sponsor experience, and closing speed.
Who qualifies for a bridge loan from Tallridge?
We work with experienced sponsors who can demonstrate:
- A defined business plan for the property.
- Relevant track record of successful exits.
- Liquidity to cover interest, taxes, and contingencies.
What documents do you need to start?
How fast can you close?
With complete documentation and engaged third parties, closings can occur in 15–21 days.
Indicative terms are typically issued within 24–48 hours of intake.
What are the typical exit strategies for bridge loans?
Exits are generally via:
Permanent Refinance
Once NOI is stabilized, refinance into long-term debt.
Asset Sale
Sell at improved value post-renovation or lease-up.
How does a bridge loan work in practice?
A sponsor identifies a Class-B multifamily asset at 15% below market due to deferred maintenance.
Result: Refinanced into agency debt at month 14, repaying the bridge loan in full with significant equity gains.
What are the advantages of bridge loans?
Speed
Avoid long bank underwriting cycles.
Flexibility
Fund capex, carry costs, or recapitalization.
Non-recourse options
Available in certain cases.
What are the potential drawbacks of bridge loans?
Higher rates than permanent loans.
Short term requires a defined, realistic exit plan.
Edge Cases
- • Owner-occupied properties generally do not qualify.
- • Special-use assets may require additional underwriting or reduced leverage.
Frequently Asked Questions
What's the minimum DSCR you look for at take-out?
Do you fund capex?
Are there prepayment penalties?
Ready to Move Fast on Your Next Deal?
Get indicative terms within 24-48 hours. Close in as little as 10-21 days.
Where can I learn more about bridge loans and real estate financing?
FDIC - Managing Commercial Real Estate
Official FDIC guidance on CRE lending standards and risk management.
Investopedia - Bridge Loan Guide
Comprehensive guide to bridge financing types and requirements.
Federal Reserve - Real Estate Lending
Federal supervisory guidance on real estate lending practices.
Rates/terms subject to change and underwriting. Not an offer to lend. Equal opportunity lender.