Short-Term Capital. Fast Closings. No Tax Returns. Built for Investors Who Can't Wait.

In real estate investing, timing is everything. A bridge loan gives you the capital to move on your next opportunity before your current situation resolves — whether that's selling an existing property, completing a renovation, or stabilizing a new acquisition. At Onyx Capital Lending, we've funded over $300 million in investor loans since 2016. We understand that deals don't wait — and neither do we.

What Is a Bridge Loan?

A bridge loan is short-term financing that "bridges" the gap between two financial positions. It's designed for investors who need capital now but expect a clear exit — sale proceeds, long-term refinance, or stabilized cash flow — within 6 to 24 months.

Bridge loans are faster, more flexible, and more accessible than conventional financing. They're the tool serious real estate investors use to keep deals moving when timing matters most.

When Do Investors Use Bridge Loans?

✅ Buying before selling — acquire your next property before your current one closes

✅ Value-add acquisitions — purchase and stabilize a property before refinancing into permanent debt

✅ Construction completion — finish a project when construction financing runs out

✅ Lease-up period — fund operations while a new property reaches stabilized occupancy

✅ Prevent foreclosure — buy time to refinance out of a maturing loan

✅ Opportunistic purchases — move fast on a time-sensitive deal without waiting on a bank

✅ Portfolio repositioning — restructure multiple assets without liquidating prematurely

Onyx Capital Lending Bridge Loan Highlights

FeatureDetailsLoan Amounts$150K – $15M+Loan Term6 – 24 monthsLTVUp to 75% of current valueLTCUp to 85% on value-add acquisitionsInterestInterest-only payments during termNo Tax Returns✅ Never requiredNo W-2 or Pay Stubs✅ Never requiredProperty TypesResidential, Multifamily, Mixed-Use, Commercial, Office, RetailClose InAs fast as 10 daysLLCs & Entities✅ AcceptedForeign Nationals✅ WelcomeAvailable In48 States

The 4 Most Common Bridge Loan Scenarios We Fund

Scenario 1 — Buy Before You Sell
You found your next investment property but your current one hasn't sold yet. You don't want to lose the deal. A bridge loan funds the purchase now — you repay it when your existing property closes. No deals lost, no capital tied up.

Scenario 2 — Value-Add Stabilization
You purchased a multifamily property at 60% occupancy. No conventional lender will finance it until it's stabilized. A bridge loan funds the acquisition and operating costs while you lease up to 90%+, then you refinance into a permanent DSCR loan.

Scenario 3 — Construction Completion
A development project ran over budget or over schedule. The construction loan is maturing and the project isn't complete. A bridge loan gives you the runway to finish, lease, and refinance or sell.

Scenario 4 — Maturing Loan Rescue
Your existing loan is coming due and your permanent financing isn't ready. A bridge loan extends your runway and prevents forced liquidation at the wrong time.

Why Interest-Only Matters on a Bridge Loan

Bridge loans are structured as interest-only — you pay only the interest each month, no principal. This keeps your monthly payment as low as possible during the value-add or transition period, maximizing your cash flow while you execute your strategy.

When the bridge term ends, you exit — typically via sale or refinance into a long-term DSCR or conventional loan.

How Our Bridge Loan Process Works

Step 1 — Tell Us the Story
What are you buying? What's your exit? What's the timeline? That's the conversation. We don't need a stack of tax returns to get started.

Step 2 — Quick Underwriting
We evaluate the asset, the business plan, and the exit strategy. Most bridge loan decisions are made in 24–48 hours.

Step 3 — Term Sheet
We issue a clear term sheet outlining your rate, LTV, term, and exit requirements. No surprises.

Step 4 — Appraisal + Close
We order the appraisal, clear conditions, and close. Most deals fund in 10–21 days.

Step 5 — Execute Your Plan
Stabilize, renovate, lease up, or sell. When you're ready to exit, we help you refinance into long-term debt or simply repay from sale proceeds.

Bridge Loan FAQ

How is a bridge loan different from a hard money loan?
They're closely related — both are short-term, asset-based, and close fast. Hard money typically refers to fix and flip or distressed property financing. Bridge loans are more commonly used for stabilization plays, value-add multifamily, and portfolio repositioning. In practice, many deals qualify for both. We'll structure whichever fits your situation best.

What's the typical exit strategy for a bridge loan?
The two most common exits are: (1) sell the property at or after stabilization, or (2) refinance into a long-term DSCR or conventional loan once the property qualifies. We underwrite to a clear exit from day one.

Can I extend my bridge loan if I need more time?
Extensions are available on a case-by-case basis. If your project is taking longer than expected, reach out before the maturity date — we can often work with you.

Do you lend on commercial properties with bridge loans?
Yes — multifamily (5+ units), mixed-use, retail, office, and industrial are all eligible. Commercial bridge is one of our specialty products.

What credit score do I need?
Credit is reviewed but is not the primary underwriting factor. The strength of the asset and your exit strategy carry far more weight than your credit score.

Can I borrow for the renovation as part of the bridge loan?
Yes — for value-add acquisitions, we can include a construction or renovation holdback as part of the bridge structure, releasing funds in draws as work is completed.

From Our Investors

"I needed to close on a 12-unit building in 15 days or lose it to another buyer. Onyx bridged the deal, I stabilized the property, and I refinanced into a DSCR loan 8 months later. Best decision I made."
— David K., Boston MA

"I was sitting on a maturing loan with no permanent financing lined up. Richard found a solution in 48 hours and we closed the bridge in under two weeks. Saved the asset."
— James W., Providence RI

Move Fast. Close Faster.

The deal is waiting. The capital is here.