We fund up to 90% of the purchase price and 100% of renovation costs, up to 95% of total cost. Our bridge loans are asset-based, with no tax returns or income verification, so we underwrite the property and your exit, not your paycheck.
Free quote · no credit pull required · fund in as few as 5 days.
A bridge loan is short-term financing that carries a property through a transition. Maybe you found a deal that won’t wait for a bank. Maybe the building needs work and a lease-up before it qualifies for permanent financing. Maybe your current loan is maturing. We look at the purchase price or payoff, the plan and what the property is worth, then fund it quickly. We don’t ask for tax returns or income verification, so the deal and your exit plan carry the file.
Any renovation funds are held back and released in staged draws as work is completed, and you only pay interest while you transition.
See What My Bridge Loan Qualifies For →You buy a small multifamily building for $400,000, budget $50,000 for light renovation, and the stabilized property should be worth $600,000:
| Purchase funded (90%) | $360,000 of the $400,000 price |
| Renovation funded (100%) | $50,000, released in draws |
| Three limits | $410,000 (90% purchase + 100% rehab) · $427,500 (95% LTC) · $450,000 (75% of ARV) |
| Total loan | $410,000, the smallest of the three |
| Loan-to-cost / ARV | About 91.1% of cost and 68.3% of the $600,000 value |
| Your cash in | About $40,000 plus costs |
Illustrative only. Actual leverage, rate, points and costs vary by property, borrower and program. Closing costs, points and interest are additional.
Your loan is the smallest of the three limits. When the renovation budget is large relative to the price, the 90% purchase plus 100% rehab figure usually sets the number, and when the value is tight, the ARV cap does.
Don’t lose the next deal
Close on the new property now and pay off the bridge when your current one sells.
Deadline-driven closings
Short fuses and cash-only terms don’t scare us. Tell us the date and we work backward from it.
Fix it, fill it, refinance
Renovate and stabilize a property, then qualify for long-term financing on its income.
Beat the maturity date
Pay off a balloon or short-term loan that’s coming due while you line up your permanent exit.
Land on long-term financing
Stabilize first, then exit into a Cambridge DSCR loan and keep the property as a rental.
Close your way
Hold title in an LLC or other entity. Foreign nationals are welcome.
A bridge is temporary by design. Before we close, we talk through how you plan to pay it off, so the loan fits the plan and not the other way around.
Flip it, or sell the old property you’re bridging from, and pay off the loan at closing.
Stabilize the rent roll, then move into long-term DSCR financing that qualifies on the property’s income.
Terms are 12-18 months with extension options, so a slow permit or a late tenant doesn’t have to force a sale.
Extension terms and fees are set in your loan documents.
| Feature | Cambridge Bridge | Traditional Bank Loan |
|---|---|---|
| Qualifies on | The property and your exit | Your income and debt-to-income ratio |
| Documents | No tax returns or income verification | Tax returns, W-2s, financial statements |
| Property condition | Transitional and value-add OK | Often must be stabilized or in good repair |
| Improvements | Up to 100% of rehab, in staged draws | Often limited or a separate loan |
| Payments | Interest-only during the transition | Usually principal and interest |
| Speed | As few as 5 days | Often 30-60+ days |
| Ownership | LLC or entity welcome | Often an individual borrower |
Bank column is a generic composite of commonly seen terms as of 2026, subject to change, and does not describe any specific lender.
Enter your deal to estimate your loan, leverage and holding cost. Illustrative only.
Illustrative only; not a commitment to lend. Loan = lesser of (90% of purchase + 100% of rehab), 95% of total cost, or 75% of ARV. Interest assumes the full loan is drawn for the whole hold, which overstates cost because renovation funds are drawn over time. Rate and points are examples; your terms depend on the property and borrower. Excludes closing, title, insurance and selling costs.
| Leverage | Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% of ARV |
| Rate | From 7.875% |
| Term | 12-18 months, interest-only, with extension options |
| Income | No tax returns or income verification; asset-based underwriting |
| Deal documents | Purchase contract or payoff statement, renovation budget if any, and your exit plan |
| Valuation | Appraisal or valuation supporting the value |
| Borrower | Individual, LLC or entity; foreign nationals OK; brokers welcome |
| Verification | Government ID, entity documents and proof of funds for your cash to close |
Requirements shown reflect our strongest profiles and may vary by property, borrower and market conditions.
Send the address, purchase price or payoff, any renovation budget, expected value and your exit.
We send a term sheet with your rate, leverage and costs, so you know your options before you commit.
Appraisal, title and insurance move side by side, and we review entity and ID documents.
Close in as few as 5 days, complete your plan, and pay off the loan through a sale or refinance.
A short-term, asset-based loan that carries a property through a transition, such as an acquisition, a renovation and lease-up, or a maturing loan, until you sell or refinance. It is underwritten on the property and your exit plan.
No. Our bridge loans are asset-based, so we do not require tax returns or income verification.
Up to 90% of the purchase price and 100% of renovation costs, up to 95% loan-to-cost and up to 75% of ARV. Your final amount is the smallest of those limits and is set in underwriting.
Rates start at 7.875%. Terms are 12-18 months, interest-only, with extension options. Your exact pricing depends on the property, leverage and experience.
As fast as 5 days on well-prepared files. Timing depends on appraisal, title, insurance and how quickly documents come back.
Yes. A bridge loan can pay off a short-term or maturing loan while you work toward your permanent financing.
Terms include extension options. Talk to us early if your timeline moves, so we can plan the next step with you.
If your plan includes improvements, we can fund up to 100% of the renovation budget. Funds are held back at closing and released in staged draws as work is completed.
Single-family, 2-4 unit, multifamily, mixed-use, condos and light commercial, in all 50 states. Primary residences for personal use are not eligible.
Yes. You can get a free quote without a credit pull. Credit is reviewed later, in underwriting, if you move forward.
Yes. LLCs and foreign nationals are OK, and brokers can submit deals for their borrowers.
Talk to Cambridge Capital and get a free quote with no credit pull. Fund in as few as 5 days.
© 2026 Cambridge Capital · Commercial Real Estate Finance. Bridge loans are business-purpose loans for non-owner-occupied investment properties and are not available for primary residences. Rates, leverage, terms and closing timelines are illustrative, subject to change without notice, and subject to borrower, property and deal qualification and underwriting approval. “Rates from 7.875%,” “up to 95% LTC,” “90% of purchase,” “100% of rehab,” “up to 75% of ARV” and “close in as few as 5 days” reflect the strongest profiles and are not a quote or commitment to lend. Calculator results and examples are illustrative and exclude closing costs. Comparison figures are generic market composites and are not the terms of any specific lender. This page is informational and does not constitute financial, legal, tax or investment advice.
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