Bridge Loans
Made Easy.

The quickest way to secure funding for a property – for when time is of the essence.

Fast Approvals

We have streamlined our approval process to get you approved FAST!

Easy Process

Our easy application process doesn’t require you to fill out endless forms or to provide supporting documentation.

Highly Competitive Rates

We are here to get you funded fast, easy, and at fair competitive rate.

Funds in 14 - 21 Days

Most loans are funded in only 14 to 21 days, so you can get on with your life.

Business owner behind the counter at a sandwich bar

Bridge Loans

First-Time Investors Welcome

12 – 24 Month interest only terms

620 Minimum FICO **Can be lower on case-by-case basis

Interest Rates starting at 9.50%

Up to 75% LTV

Single Family, 2+ Units, Condo, Mixed Use, Commercial

Nationwide Lending area

About Bridge Loans

A bridge loan is a type of loan that is secured by real property. These loans are primarily used in real estate transactions and are usually funded by investors, as opposed to traditional banks.

  • Bridge loans are primarily utilized for real estate transactions.
  • A bridge loan, usually taken out for a short time, is a way to raise money quickly.
  • Because bridge loans are not traditionally executed, the funding time frame is reduced immensely.

We have secured many long-term relationships with private money lenders and investors over 30+ years in the lending business. Our reputation for integrity and our ability to secure reliable funding has earned us the respect and trust of our clients and the industry. This is why Brass Financial is a great bridge partner.

We get you funded quickly with an easy process so you don’t miss a great opportunity!

Fast Approvals

Easy Process

Highly Competitive Rates

Funds in 14-21 Days

Bridge Loan FAQ’s

Can I really get a business loan without showing income?

Yes! Our no income business loans are designed for business owners who may not have the traditional documentation available, or who show little taxable income due to a variety of reasons. This is a common issue and we are here to help you through it.

How do bridge loans work?

Bridge loans are short term loans, generally for 12 to 24 month terms that are also referred to as bridge loans. They are meant to be used to fund deals fast and easy. Bridge loans are a bridge to help you buy or take cash out of a property now and give you the time needed to either sell the property or refinance into a more stabilized loan in the future.

Getting a bridge loan may be a perfect solution to help you get the cash you need now to either payoff debts, judgements or even another loan that is coming due.

In which states do you offer bridge loans?

We are a nationwide lender. We offer bridge loans in all 50 US states.

Do bridge loans show up on your credit?
Bridge loans do not typically show up on your personal credit report as a loan, so it will not affect your FICO score.
What is the interest rate for bridge loans?
Interest rates on bridge loans are higher than most other loan options as to be expected, but rates can range from as low as 8.99% and go up from there, depending on the strength of the borrower, collateral and LTV (loan to value) and exit strategy.
What do I need to apply for bridge loans?

To apply for a bridge loan you would need the following items:

  • Complete a short application over the phone or online
  • Contract of sale or provide properties value if refinancing
  • Provide 2 month bank statements showing funds needed to close
  • Photo ID and social security card
  • LLC documents (operation agreement, formation, EIN)
  • Voided check
  • Exit strategy – which we can help you with
Do I need to close in my personal name or in a company or LLC name to get a bridge loan?

Most bridge loans do require you to close in an LLC name. We do have some options that will still allow you to close in your personal name but the terms vary. If you don’t already have an LLC formed, you can do so online in just 15 minutes. We have found Legal Zoom is one of the easiest and most convenient companies to use to form your LLC in just minutes.

What should I look for in a bridge lender?

When looking for a bridge lender, you should look into a lenders reputation, experience, and past history of getting loans closed quickly. You should read their online reviews, as it’s a great way to see how they conduct their business and what other real estate investors have to say about them. You should also consider their rates and fees to make sure they are competitive, but please keep in mind the best rate isn’t always the best option, as it doesn’t matter how low another lender’s rate is if they cannot get you to the closing table on time.

We would also recommend that you look for a bridge lender that offers other loan programs to help you streamline the process to refinance your bridge loan when you’re ready. Lastly we would strongly recommend that you avoid hard money lenders that require you to pay large upfront fees or due diligence fees.

How long does it take to get the funds for a bridge loan?

At Brass, the process can be very fast. In some cases, it only takes a few days from start to finish, but it generally takes about 14-21 days for most clients.

Is there a prepayment penalty with your bridge loans?

No, our bridge loans do not require a PPP (pre-payment penalty)

What can I use the funds from a bridge loan for?
Most clients use the funds to buy distressed properties to renovate or resell to make a profit. Some clients will use bridge loans to take cash out of one of their existing properties to purchase additional investment properties. You are welcome to use the funds as you wish, but we always recommend using the funds for real estate investment purposes or to pay down other debts.
Do bridge loans require a down payment?
If you are purchasing a property, a down payment will be needed but can be as little as only 15%. If you own another property, we may be able to cross collateralize that property, which will allow you to buy your new property with no money down and receive 100% financing. If you don’t own another property to cross collateralize, there are also some GAP funding options available, which will help provide the funds needed to cover the down payment and closing costs.
What is GAP funding?

GAP funding or a GAP loan is a loan to help real estate investors cover the GAP between the loan amount and the purchase price, which is typically around 20 to 30% of the purchase price. GAP funding is a great way for real estate investors to come up with the funds needed for the down payment and closing costs in order to continue to purchase investment properties. Brass currently has GAP funding options available. To find out what you qualify for in minutes without affecting your credit score, simply click HERE and answer a few short questions.

What is proof of funds letter and how can I get one?
A POF letter is like a pre approval letter from your lender which states you have already been approved for a line of credit to purchase a property. To get a POF letter, simply call one of our loan experts and answer a few questions. In most cases we will be able to issue you a POF letter within 30 minutes.
What is an LOI of letter of intent and how do I get one?
A LOI is a letter from your lender committing to funding your loan request. The LOI also outlines all the terms and conditions. as well as the fees involved to fund your loan. Most lenders are able to issue LOI’s after they review your loan request. We always recommend that you get an LOI from your lender before committing to purchase a property, as market conditions can change without notice.

Easy Process

We have simplified the hard money lending process so you can get busy doing the things you want to do.

The application process is easy and the documentation isn’t crazy. In fact, we have no-doc programs that bypass the need for you to spend hours of your time gathering these items.

If you’re accustomed to dealing with large corporate lenders, you’ll be pleasantly surprised how easy we have made the process for you!

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