Programs
Bridge loans.
Short-term financing that covers the distance between where a property is now and where it needs to be — stabilised, refinanced, or sold.
What a bridge loan solves
A bridge loan buys time. It exists because the property is not currently financeable on permanent terms — occupancy is too low, the lease-up is incomplete, the renovation is half finished, or the seasoning requirement has not been met.
The lender is underwriting two things: the property as it stands today, and the credibility of the plan to get it to the exit.
The exit is the whole deal
Every bridge loan is a bet on a specific ending. Refinance into permanent debt, or sell. If neither is realistic on the stated timeline, a bridge loan converts a present problem into a deadline — which is worse, because now there is a maturity date attached.
Be specific about the exit when you submit. “We will refinance” is not a plan. “We will refinance into a DSCR loan once the building is at 90% occupancy, which we expect in month seven” is.
Typical uses
- Acquiring a property that needs stabilisation before permanent financing
- Buying before an existing asset sells
- Meeting a hard closing deadline while a longer-term loan is arranged
- Repositioning a property between tenants or uses
- Paying off a maturing loan while a sale completes
Typical structure
| Rate | — |
|---|---|
| Term | — |
| Max LTV | — |
| Points | — |
| Extension | — |
Subject to underwriting. Not an offer or commitment to lend.
What to send
- Property address and type
- Current value and any debt
- Current occupancy or condition
- The exit, with a timeline
- Entity name and credit band
Easy Lending USA is not a lender, a bank, or a mortgage broker. We do not make credit decisions or fund loans. All programs are business-purpose loans secured by non-owner-occupied investment real estate and made to business entities.