Bridge Loans
Fast, Flexible, and Nationwide Short-Term Financing for Real Estate Investors and Business Owners.
Your Solution for Short-Term Real Estate Financing
Bridge loans are a powerful tool for real estate investors and business owners who need fast, flexible funding to capitalize on time-sensitive opportunities. Unlike traditional financing, which can take weeks or months to close, bridge loans provide quick access to capital, helping you secure properties, complete renovations, or cover urgent business expenses without delay. These short-term, asset-based loans are designed to bridge the gap between immediate financial needs and long-term financing solutions.
At RGC Capital, we specialize in nationwide bridge loan financing for residential and commercial properties. Our programs are ideal for acquisitions, refinances, fix-and-flip projects, ground-up construction, and even complex scenarios like foreclosure, probate, or partnership buyouts. With competitive rates, interest-only payment options, and minimal prepayment penalties, our bridge loans give you the flexibility to execute your investment strategy and transition into permanent financing when the time is right.
Loan Program Highlights
Payment Structure
Interest-only options for better cash flow
Competitive Pricing
Low fixed rates with flexible structures
Prepayment Flexibility
Limited or no prepay penalties
Loan Size & Terms
$200,000 to $10,000,000 | 12–36 months | Extensions up to 3 years
Collateral Options
1st & 2nd trust deeds (case-by-case for 2nd T.D.)
Flexible Approvals
Stated income/assets, recent title changes, unlimited financed properties, low or no credit score
Maximum Loan‑to‑Cost (LTC)
Up to 85% of purchase price + verified completed capex if owned < 6 months
LTV & Credit Requirement
Maximum LTV: 70% | Minimum FICO Score: 660
DSCR Requirements
No DSCR required for For‑Sale program and 1.10 exit DSCR for rental program
Eligible Property Types
Residential Investment (1-4 units)
Commercial Properties
Industrial Properties
Mixed-Use Buildings
Multifamily Properties
Special Purpose Properties
Automotive Industry
Assisted Living Facilities
Benefits of the Loan Program
Our bridge loan programs deliver speed, flexibility, and simplicity. With fast closings, competitive rates, and minimal prepayment restrictions, you can seize opportunities without delays or unnecessary costs. We specialize in nationwide bridge loan financing and offer custom solutions for complex scenarios, making it easier for investors and business owners to execute their strategies and transition into permanent financing when ready.
Strategic Financing Solutions
- Time-Sensitive Acquisitions: Opportunistic purchases, discounted payoffs, 1031 exchange fallouts
- Renovation & Value-Add Projects: Fix-and-flip, property improvements, code or HOA compliance
- Ground-Up Construction: Shovel-ready land, completion of stalled projects
- Business Capital Needs: Partnership buyouts, probate loans, trust beneficiary disputes
- Distressed or Complex Scenarios: Foreclosure, short sale, recent title changes, self-employed borrowers
Target Clientele for this Loan Program
RGC Capital serves real estate investors, developers, and entrepreneurs who need short-term financing for acquisitions, renovations, or construction projects. We also work with business owners seeking strategic capital for partnership buyouts, trust disputes, or urgent business needs, even if credit or income documentation is limited.
Documents required for the loan program application
1. Sign RGC Capital loan proposal (LOI)
2. Two months of bank statements (all pages from all accounts)
3. Driver’s license & social security card – for each borrower
4. Loan application (business purpose applications click here / for residential applications click here )
5. Current mortgage statements and insurance on all properties owned
6. If rental – current lease(s)
7. Business purpose – letter of explanation (if self-employed then CPA letter)
8. Twelve-month mortgage payment history on subject and owner-occupied properties.
9. If purchase – purchase agreement, escrow, and title information.
Submit Your Loan Scenario
Frequently Asked Questions (FAQs)
Are bridge loans available nationwide?
Yes. RGC Capital is a private bridge loan lender providing nationwide bridge loan programs across most U.S. markets for qualified residential and commercial properties.
What are real estate bridge loans?
Real estate bridge loans are short-term real estate financing solutions designed to help investors and business owners secure or refinance property quickly. These asset-based bridge loans are typically used to bridge the gap between an immediate opportunity and long-term financing, such as a DSCR loan, bank loan, or permanent refinance.
Who should use bridge loans for real estate investors?
Bridge loans for real estate investors are ideal for borrowers who need fast access to capital for time-sensitive opportunities. This includes investors purchasing distressed properties, completing fix-and-flip projects, acquiring rental properties, or refinancing properties prior to permanent financing.
Are bridge loans available for investment properties?
Yes. RGC Capital offers bridge loans for investment property, including fix-and-flip projects, rental properties, and transitional assets. These loans are commonly used when traditional lenders cannot meet speed, documentation, or property condition requirements.
Do you offer bridge loans for fix and flip projects?
Absolutely. We provide bridge loans for fix-and-flip investors needing quick-close funding for acquisition and renovation. Interest-only bridge loans help investors preserve cash flow while repositioning properties for resale or refinance.
Are bridge loans available for rental properties?
Yes. We offer bridge loans for rental property acquisitions and refinances. Investors commonly use these loans to stabilize a property, complete renovations, or season an asset before transitioning to long-term rental financing.
Do you provide commercial bridge loans?
Yes. RGC Capital is a nationwide bridge loan lender offering commercial bridge loans for office buildings, multifamily properties, mixed-use buildings, industrial properties, and special-purpose assets. These loans are designed for speed, flexibility, and complex scenarios.
Is income verification required to qualify?
In many cases, no. Our programs include no doc bridge loans, stated income bridge loans, and bridge loans without income verification. Approval is primarily based on the property value, exit strategy, and overall deal strength rather than traditional income documentation.
How fast can a bridge loan close?
Our fast bridge loans are designed for speed. Many transactions qualify for quick-close bridge loans, allowing funding in days rather than weeks, depending on documentation, appraisal requirements, and title readiness. Bridge loans are ideal for time-sensitive real estate financing needs.
Can bridge loans be used for foreclosure or probate situations?
Yes. We regularly structure bridge loans for foreclosure, bridge loans for probate real estate, and other distressed scenarios. Our experience with complex transactions allows investors to resolve urgent title, lien, or timing challenges quickly.
Can a bridge loan be used for a partnership buyout?
Yes. Bridge loans for partnership buyouts are a common use case. These loans provide short-term capital to buy out partners, resolve ownership disputes, or restructure equity before securing permanent financing.
What are typical loan terms and leverage?
Our interest-only bridge loans typically range from 12 to 36 months, with extension options available. Depending on the deal, we offer bridge loans up to 85% LTC and up to 70% LTV, along with minimal prepayment penalties and flexible exit options.
How do bridge loans transition to long-term financing?
Bridge loans are commonly used as a bridge loan to refinance or bridge loan before permanent financing. Once improvements, stabilization, or seasoning requirements are met, borrowers can transition into DSCR loans, agency financing, or other long-term
solutions.
