Bridge capital for Florida investors who move fast.

A bridge loan is short-term financing (6 to 24 months) used to acquire or reposition a property before transitioning to permanent financing or a sale. Use it when: the deal requires speed that agency underwriting can't provide, the property needs stabilization before conventional lenders will touch it, you have a 1031 exchange deadline, or you need to bridge between selling your current home and closing on a new one.

7 to 14 days on a clean file with an appraisal in hand. 5-day close is possible on relationship-lender deals where we've already established a track record. The main variable is the appraisal timeline. We queue these immediately. Speed is the entire reason you pay a higher rate, every day you can close faster than a competitor is a competitive advantage in FL coastal deals.

Rates run 9 to 12% in 2026, with 1 to 3 points origination. Higher than agency loans, but context matters. On a 9-month flip with $80k upside, a 10% bridge rate costs roughly $3,500 in interest per month on a $400k loan. Total interest over 9 months: ~$31k. That's less than the deal profit. Rate is a cost of capital, not the deal-killer people think it is.

Yes, coastal FL value-add and flip deals are active bridge territory. The lender prices on ARV, rehab budget, and exit strategy. We pre-qualify the deal economics before you submit to any lender. In the Keys specifically, the high ARV prices and strong STR cashflow make the BRRRR exit (bridge → DSCR refi) particularly compelling.

Bridge loans tend to be 70 to 80% LTV, more institutionally structured, lower rates, and process-driven (like a fast conventional). Hard money is true asset-only: the deal and the property are the underwriting, not your credit. Hard money closes faster (sometimes 48 to 72 hours) and is more flexible, but rates are higher. We pick the right tool based on your deal's speed requirements and asset quality.