Hard money bridge loans, placed with the lender that actually wants the deal.
Short-term, asset-led capital for acquisitions, renovations, and time-critical projects — matched from a network of 850+ financial institutions across the United States, Canada, and the United Kingdom.
It is short-term financing secured by real property or another hard asset, used to cross the gap between a deal you have to close now and the longer-term financing, refinance, or sale that will repay it. A conventional lender underwrites your income, your history, and your ratios. A hard money lender underwrites the collateral and the exit — which is why these facilities can be approved and funded in days.
The trade-off is honest: the capital costs more than a bank loan, the terms are shorter, and you need a credible repayment path. For a borrower who would otherwise lose the deal, that is usually the right trade.
Two names, one facility
Hard money vs. bridge loan
Bridge loan
Named for its purpose: temporary capital that carries you from one position to the next. It has a defined exit and a short life, and it is usually repaid when permanent debt or a sale settles.
Hard money loan
Named for its source and underwriting: an asset-led lender who prices the deal on collateral value and repayment certainty rather than on bank-grade documentation.
Most transactions we place are both at once — a bridge facility written on hard-money terms. 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 situations that need capital this week.
Buy before the takeout clears
Fund the purchase now and refinance into a conventional or DSCR facility once the property stabilizes or the long-term approval lands.
Auction and foreclosure windows
Courthouse steps and auction deposits do not wait on a bank committee. Asset-led underwriting moves on the collateral, not on a six-week approval queue.
Renovation and value-add
Purchase plus rehab capital in one facility, drawn in stages as work is inspected, so you are not paying interest on money you have not used.
Commercial and mixed-use bridge
Stabilize a leased asset, complete a lease-up, or carry a building through entitlement before permanent debt is available.
Business acquisitions
Bridge the gap when a seller wants certainty today and your acquisition financing, investor wire, or asset sale settles in a few months.
Time-critical overhead
Payroll, inventory, or a bond that cannot slip, covered while receivables, a contract, or a funding round lands.
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
6 to 36 months, with extension options on some facilities
Typical advance
55 to 75 percent of purchase price or appraised value
Common structures
Interest-only, part principal-and-interest, or fully amortizing
Costs to expect
Origination points plus legal, appraisal, title, and servicing fees
Exit required
A defined path to repay: sale, refinance, or an approved takeout facility
Process
How we place your deal.
01
Send the deal
Property or business details, the amount you need, and where the money is going. Three to four months of bank statements and your entity documents are enough to start.
02
We underwrite the exit
Hard money is asset-led, so the collateral and the repayment path carry the file. We pressure-test both before we take the deal to market.
03
Matched across the network
Your file goes to the institutions in our 850+ network that actually write this profile in your market and asset class — not to every inbox we have.
04
Terms, then closing
You compare the term sheets we bring back, pick one, and we run the file with the lender and the title company through to funding.
The network
850+ institutions behind one file.
Extensive relationships with hard money lenders, banks, debt funds, and insurers across the United States, Canada, and the United Kingdom — so the deal 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 deal to market the same day it arrives.
—Business or entity name, location, and how long you have been operating
—The deal: property or acquisition, the amount requested, and how it will be repaid
—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 secured by real property or another hard asset, used to bridge the gap between a deal you must close now and the longer-term financing or sale that will repay it. Underwriting leans on the collateral and the exit rather than on a full conventional file, which is why these loans fund in days rather than weeks.
What is the difference between a hard money loan and a bridge loan?+
In practice the two overlap almost completely. 'Bridge loan' describes the purpose — short-term capital that carries you to a defined exit. 'Hard money' describes the source and the underwriting — an asset-led lender who prices the deal on collateral value rather than on bank-grade income documentation. Most deals we place are both: a bridge facility written on hard-money terms.
How does a hard money bridge loan work?+
You fund a purchase or a project with the lender's capital, pay interest-only or reduced payments while the work or the lease-up runs, then repay in full from the sale, the refinance, or the approved takeout facility. Costs are typically origination points plus third-party legal, appraisal, and title charges.
What advance can I expect?+
Most facilities land between 55 and 75 percent of purchase price or appraised value, with the remainder funded from your equity. Renovation deals often release the improvement portion in inspected stages rather than all at once.
What credit and documents do you need?+
Because the asset carries the file, weaker or thin credit is not automatically disqualifying. We ask for three to four months of recent bank statements, entity and ownership documents, the deal summary, and a clear statement of how the loan gets repaid.
Which markets do you place in?+
The United States, Canada, and the United Kingdom — including New York and the tri-state area, where bridge and hard money capital is most active. We are a brokerage and advisory firm: the capital itself comes from the institutions in our network.
Tell us where you stand.
Send the deal and we will put it in front of the institutions in our network that write this profile. Confidential, reviewed within one business day.
