Since 2012, we've funded loans from $100,000 to $10,000,000 on residential and commercial properties across the Western U.S. Three core programs, all principal-decisioned, all structured to your timeline.
A short-term loan for homeowners purchasing a new primary residence before the sale of their current home — enabling competitive non-contingent offers, top-dollar resale, and access to the best long-term financing.
A residential business-purpose loan is used to purchase an investment property — or for a cash-out refinance where the funds support any business purpose. Eligible properties include fix-and-flip projects and single-family rentals.
Short-term financing for borrowers acquiring or repositioning commercial & multifamily properties before securing permanent debt. Typical use cases: time-sensitive acquisitions, value-add execution, and discounted payoff opportunities.
A quick side-by-side. Final terms are structured to the specific deal — these are typical ranges, not hard caps.
| Owner-Occupied Bridge | Residential BPL | Commercial Bridge | |
|---|---|---|---|
| Loan size | $250K – $10M | $100K – $5M | $500K – $10M |
| Term | 6 – 12 months | 6 – 24 months | 6 – 24 months |
| Max LTV | 65 – 70% | 65 – 70% | 60 – 65% |
| Asset types | Primary residence (any 1–4 SFR) | 1–4 SFR, Condo, Townhome | Multifamily, Retail, Industrial, Mixed-Use |
| Typical use | Buy before you sell | Fix & flip, rental, cash-out | Acquisition, refi, value-add |
| Typical close | 7–14 days | 3–7 days | 7–14 days |
| Documentation | Asset + ability-to-repay | Asset-focused, light borrower docs | Asset-focused, light borrower docs |
Most inquiries receive a same-day callback. Signed term sheets typically within 48 hours.