Asset Lift Lending

    Bridge the gap between opportunity and long-term financing. Close fast, act decisively, and execute your strategy without waiting on slow capital.

    Bridge Loans

    AssetLift Lending offers bridge loans for real estate investors who need fast, flexible capital to close acquisitions, reposition assets, or bridge the gap between transactions. Close in as few as 3 days.

    Apply Now Call (929) 639-2284
    Up to 75%
    Loan-to-Value (As-Is)
    3 to 24 months
    Loan Term
    As fast as 3 business days
    Closing Speed
    $100,000 to $3,000,000
    Loan Amount Range
    10%
    Interest Rates Starting At

    Overview

    Bridge loans are short-term financing instruments that provide immediate capital to real estate investors who need to move quickly, cannot wait for conventional underwriting timelines, or face situations where traditional lending products do not apply. The term "bridge" refers to the loan's purpose: it bridges the gap between an immediate capital need and a longer-term financing solution or asset disposition. Bridge loans are not a permanent financing tool. They are a tactical weapon deployed when speed, certainty, and flexibility matter more than cost.

    The scenarios that call for bridge loans are varied and time-sensitive. An investor may need to close on a property in 5 days to beat a competing offer. A borrower's conventional loan may fall through 48 hours before closing, and they need replacement capital to avoid losing their earnest money. A property owner may need to pull equity from an existing asset to fund a down payment on a new acquisition before the first property sells. In each case, a bridge loan solves a problem that no other financing product can address within the required timeframe.

    AssetLift Lending's bridge loan program is built for exactly these situations. We offer loan terms from 3 to 24 months, with closings as fast as 3 business days for borrowers with pre-approved profiles and clear title. Our bridge loans finance acquisitions, refinances, cash-out equity extraction, and partner buyouts on residential and small commercial properties. Loan amounts range from $100,000 to $3 million, with leverage up to 75% of the as-is property value.

    The cost of a bridge loan is higher than a conventional mortgage, but the value it provides is measured in deals saved, opportunities captured, and financial flexibility preserved. For investors operating in competitive markets where the best deals go under contract within hours, having access to fast, reliable bridge capital is not a luxury. It is a requirement for staying in the game.

    Key Features

    Rapid Closing Capability

    We close bridge loans in as few as 3 business days for borrowers with clean title, pre-approved borrower profiles, and complete documentation. Standard bridge closings take 5 to 10 business days. This speed allows you to make competitive offers with short due diligence periods and close before other buyers can even secure financing.

    Flexible Collateral Types

    Bridge loans from AssetLift Lending can be secured by single-family homes, multifamily properties (2-8 units), mixed-use buildings, and small commercial properties. We also consider cross-collateralization, where equity in a property you already own provides additional security for the bridge loan on a new acquisition.

    Interest-Only Payments

    All bridge loans feature interest-only monthly payments, minimizing your carrying costs during the hold period. You are not paying down principal on a loan designed to be repaid in full within months. This structure preserves your cash flow and keeps more capital available for renovation, operating expenses, or reserves.

    Multiple Exit Strategy Support

    Whether your exit plan is a property sale, a refinance into a DSCR or conventional loan, or a cash infusion from another source, our bridge loans are structured to accommodate any legitimate repayment path. We work with you at origination to identify and document your planned exit, and we provide guidance on timing your transition to permanent financing.

    No Prepayment Penalty

    Repay the bridge loan at any time without penalty. If your property sells in month 2 of a 12-month loan, you pay interest only for the two months you held the capital. This no-penalty structure ensures that fast exits are rewarded rather than penalized, aligning the lender's incentives with the borrower's goal of a quick, profitable resolution.

    Eligibility Requirements

    Property Value and Equity: The subject property must appraise for a value that supports the requested loan amount at or below 75% loan-to-value. For cross-collateralized loans, the combined LTV across all pledged properties must not exceed 65%. A current appraisal or broker price opinion will be ordered as part of the underwriting process.
    Defined Exit Strategy: Every bridge loan requires a clearly articulated exit strategy documented at origination. Acceptable exits include property sale (with comparable sales data supporting the anticipated sale price), refinance (with preliminary qualification from the take-out lender), or payoff from proceeds of another closing. Bridge loans without a credible exit plan will not be approved.
    Minimum Credit Score: A FICO score of 620 or higher is required. Bridge loan underwriting places less emphasis on credit score than conventional lending, but a score below 650 may result in reduced leverage or higher pricing. Recent bankruptcies (within 2 years) or active foreclosures may disqualify the borrower regardless of the current score.
    Liquidity and Reserves: Borrowers must demonstrate liquid assets sufficient to cover 6 to 12 months of interest payments at closing. Bridge loans are short-term instruments with inherent timing risk, and adequate reserves ensure that the borrower can service the loan even if the exit takes longer than projected. Acceptable reserve sources include bank accounts, investment accounts, and documented lines of credit.
    Real Estate Investment Experience: While bridge loans are available to investors at all experience levels, borrowers with a demonstrated track record of successful real estate transactions will receive better pricing and higher leverage. First-time investors applying for bridge loans should present a detailed business plan, a strong exit strategy, and ideally a mentor or partner with relevant experience.

    How It Works

    1

    Initial Inquiry and Scenario Review

    Contact our bridge loan team with the details of your situation: the property address, your capital need, the timeline, and your planned exit strategy. We provide a preliminary indication of terms within hours, not days. For time-critical deals, we can issue a term sheet the same day you contact us, allowing you to present a financed offer to the seller immediately.

    2

    Term Sheet and Commitment

    Once you accept the preliminary terms, we issue a formal commitment letter outlining the loan amount, interest rate, term, fees, and conditions. The commitment holds your terms for 30 days while underwriting and closing are completed. A commitment deposit may be required for loans above $500,000, which is credited toward closing costs at funding.

    3

    Expedited Underwriting

    Our bridge loan underwriting is built for speed. We order a rush appraisal or desktop valuation, pull title, verify insurance, and review borrower credentials in parallel rather than sequentially. Most bridge loans clear underwriting within 2 to 5 business days. For repeat borrowers with pre-approved profiles, underwriting can be completed in 24 to 48 hours.

    4

    Closing and Funding

    We coordinate directly with the title company or closing attorney to prepare documents, schedule signing, and wire funds. Bridge loan closings are streamlined with fewer documents than conventional transactions. Funds are wired to the title company on the day of closing, and you take possession of the property immediately. The entire process from first contact to funded loan can be as short as 3 to 7 business days.

    Who Is This For?

    Time-Sensitive Acquisitions

    When a deal requires you to close in days rather than weeks, a bridge loan is the only viable option. Off-market deals, auction purchases, estate sales, and bank-owned property dispositions frequently come with compressed timelines that eliminate conventional financing. A bridge loan ensures you can commit to the deal with confidence and close on the seller's timeline.

    Gap Financing Between Transactions

    You are selling one property and buying another, but the timings do not align. A bridge loan allows you to close on the purchase before the sale is finalized, using equity in the property being sold or the property being purchased as collateral. When the sale closes, you repay the bridge loan with the proceeds, completing the transition without a gap in ownership.

    Rescue Capital for Failed Conventional Closings

    Conventional loan approvals fall through more often than borrowers expect, sometimes days before the scheduled closing. When a bank pulls approval at the last minute due to an appraisal issue, underwriting condition, or policy change, a bridge loan can step in to save the deal. We have closed rescue bridge loans in as few as 3 business days to prevent borrowers from losing their earnest money deposit and the deal.

    Equity Extraction for Down Payments

    Pull equity from a property you already own to fund the down payment on a new acquisition. Rather than waiting months for a conventional cash-out refinance, a bridge loan provides the capital in days. Once the new property is acquired and stabilized, you can refinance both properties into long-term loans and repay the bridge, having used speed and leverage to secure an opportunity that would otherwise have been lost.

    Frequently Asked Questions

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