Construction bridge loans, placed with the lender that writes your kind of build.
Ground-up, renovation, and completion capital for builders and developers — matched from a network of 850+ financial institutions across the United States, Canada, and the United Kingdom.
It is short-term financing that funds a build, a renovation, or a completion and is repaid from the sale of the finished project or a refinance into permanent debt. A bank underwrites your income, your history, and your ratios. A construction bridge lender underwrites the project — the budget, the completed value, and the exit — which is why these facilities can be approved and funded in weeks.
The trade-off is honest: the capital costs more than a bank construction loan, the terms are shorter, and the project has to carry the file. For a builder who would otherwise lose the site or stall mid-build, that is usually the right trade.
Two routes to the same build
Bridge vs. bank construction loans
Bank construction loan
Underwritten on the borrower's full financial file — income, ratios, documentation — and priced accordingly. Slower to approve, cheaper to hold, and out of reach for many time-sensitive or non-standard projects.
Construction bridge loan
Underwritten on the project itself — budget, completed value, and exit — by an asset-led lender. Faster to fund, shorter in term, and built to hand off to permanent debt or a sale.
Many projects use both in sequence: a bridge facility to build, then a conventional takeout once the project is complete and stabilized. If someone quotes you one label, the question worth asking is who is funding it and what underwrites the approval.
Where these loans are used
Six builds that need capital on schedule.
Ground-up construction
Land plus build capital in one facility, drawn against inspected milestones from foundation to certificate of occupancy.
Finish a stalled project
When the original lender exits or the budget runs short mid-build, completion capital keeps crews on site and the timeline intact.
Spec and infill builds
Single-family and small multifamily spec homes funded on the strength of the plan, the market, and the builder's track record.
Renovation and repositioning
Heavy rehab on existing stock — gut renovations, conversions, and value-add programs drawn in stages as work is verified.
Bridge to permanent debt
Carry a completed or nearly completed project through lease-up until a conventional or DSCR takeout facility is ready.
Land and pre-development
Short-term capital to secure a site or carry it through entitlement while the construction facility is arranged.
Structure
How the facility is typically structured.
Bridgeview Capital is a brokerage and advisory firm. We do not set the terms or fund the loan — the institution that does decides the final advance, pricing, and timeline. These are the ranges most deals land in.
Typical term
12 to 36 months, with extensions where the build schedule requires
Typical advance
60 to 80 percent of project cost, sized against completed value
Draw structure
Funds released in inspected stages as construction progresses
Costs to expect
Origination points plus legal, appraisal, inspection, and title fees
Exit required
Sale of the finished units or a refinance into permanent debt
Process
How we place your project.
01
Send the project
Plans, budget, timeline, and your track record as a builder or developer. Three to four months of bank statements and entity documents are enough to start.
02
We underwrite the build
The budget, the schedule, the completed value, and the exit carry the file. We pressure-test all four before taking the project to market.
03
Matched across the network
Your file goes to the institutions in our 850+ network that actively write construction in your market and asset class — not to every inbox we have.
04
Terms, then first draw
You compare the term sheets we bring back, pick one, and we run the file with the lender and the title company through to the first draw.
The network
850+ institutions behind one file.
Extensive relationships with construction lenders, banks, debt funds, and insurers across the United States, Canada, and the United Kingdom — so the project goes to the institutions that write this profile, not to a general queue.
Bank of AmericaTruistChaseWells FargoPNCHuntingtonTDCapital OneQuickBridgeLendioNational FundingBluevineSee the full network
Getting started
What we need to move.
A short, complete file beats a long one. Send it once and we can take the project to market the same day it arrives.
—Entity name, location, and your track record as a builder or developer
—The project: plans, budget, timeline, the amount requested, and the exit
—Three to four months of recent bank statements
—EIN, credit score band, and the type of funding you want
—A point of contact — name, email, and phone number
It is short-term financing that funds a build, renovation, or completion and is repaid from the sale of the finished project or a refinance into permanent debt. Funds are typically released in stages as construction is inspected, so you only pay interest on capital actually drawn.
How is a construction bridge loan different from a bank construction loan?+
A bank construction loan is underwritten heavily on the borrower's income, ratios, and documentation, and can take months to approve. A construction bridge facility is underwritten on the project — the budget, the completed value, and the exit — which is why it can fund in weeks and can work for borrowers a bank committee would decline.
How do construction draws work?+
The lender releases funds against completed, inspected work rather than all at once. You request a draw, an inspector verifies the milestone, and that portion of the budget is funded. Interest accrues only on the amount drawn.
What advance can a builder expect?+
Most facilities land between 60 and 80 percent of total project cost, sized against the appraised completed value, with the remainder funded from your equity. Land, if owned free and clear, often counts toward that equity.
What documents do you need?+
Plans and budget, the construction timeline, your entity and ownership documents, three to four months of recent bank statements, and a clear statement of the exit — sale or refinance. A track record of completed projects strengthens the file but is not always required.
Which markets do you place construction loans in?+
The United States, Canada, and the United Kingdom — including New York and the tri-state area, where construction and bridge capital is most active. We are a brokerage and advisory firm: the capital itself comes from the institutions in our network.
Ready to fund the build?
Send the project once. We take it to the institutions that write construction in your market and bring back the term sheets worth your time.
