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
Published market figures, not our rates. Full table and sources on the rates page.
- Starts at
- 8.00%
- Typical range
- 10% – 12%
- Term
- 12 – 24 months
- Max LTV
- 65 – 75% as-is
- Points
- 1.5 – 3
- Extension
- —
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.
Related programs
Where the asset needs work before it can be sold or refinanced, fix and flip releases rehab funds in draws. Where the shortfall is only the cash at closing, gap funding covers what a senior lender will not. Where the exit is a hold rather than a sale, DSCR is the takeout.
All seven structures are compared on the programs page, current market pricing with sources is on the rates page, and the FAQ answers how we are paid and what we do not do.