Bridge Loans

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A simple solution that bridges the gap between the investment you have and the investment you want. Apply for a Bridge Loan today!

What Is A Bridge Loan?

A Bridge Loan is a short-term financing solution that uses the equity from your current home to make an offer on a new one. A Bridge Loan gives you the freedom to make the down payment on the new home, without having to wait for your old home to sell.

This financing option is beneficial for borrowers who may have less than ideal credit but have equity in a property that they wish to use as leverage to secure the new property. Opportunity Business Loans offers fast approvals and funding at competitive rates and flexible terms.

We have been providing convenient financing to a number of investors and families for years through our Bridge Loan Program. Our fast approvals, minimal underwriting, competitive rates, and reliable service has lead us to become one of the nation’s top Bridge Loan Lenders.

If you are in need of a Bridge Loan for your new home or Real Estate Investment, give us a call today or fill out our online application form. We would love to provide you the funding you need.

How Do Bridge Loans Work?

Bridge Loans are available for families and Real Estate Investors. Also known as a bridging loan, gap financing, interim financing, or a swing loan, Bridge Loans are useful for investors who own a property and wish to purchase a new property.

If the investor needs to secure a new property before selling an old property, they can use a Bridge Loan to borrow against the property they already own. Once the new property is purchased, the investor can sell the original property and pay off the bridge loan.


  • Loan Amount: $100,000 – $50,000,000
  • Loan-to-Value: Up to 80%
  • Rehab Costs: Up to 100%
  • Term Length: 1 – 30 Years
  • Amortization: Up to 30 Years
  • Interest Rate: 6% – 14%
  • Closing Time: 2 – 4 Weeks


  • Foreign nationals qualify
  • Low credit and tax issues not a problem
  • Competitive rates
  • Fast and simple process
  • Flexible underwriting
  • Purchase or Cash-Out refinance
  • No upfront fees

98% of surveyed borrowers would recommend Opportunity Business Loans to a friend.

apartment building

When To Use Bridge Loans

A Bridge Loan may be a good idea when:

  • You qualify based on creditworthiness and equity requirements
  • You can’t afford a sufficient down payment without the equity you have in your current property
  • You are in a seller’s market and need the strongest offer possible
  • You are wanting to purchase a property that doesn’t accept contingent offers
urban homes

Bridge Loan Requirements

In order to qualify for a Bridge Loan, you will need:

  • Sufficient equity in your current home
  • Enough income or cash reserves to pay back the loan
  • All required paperwork

That’s it! All you need to qualify for a Bridge Loan is those three things. Unlike other lenders, we will secure the financing you need, even if you have poor credit.

Bridge Loan Alternatives

Although a Bridge Loan is probably your best bet when it comes to purchasing a new property using the equity in your current property, there are a few alternatives that might fit your needs. If you are unsure which option is best for you and your business, give us a call today. Our team of financial advisors would love to help you secure the funding you need through the loan option that makes the most sense.

Home Equity Line of Credit (HELOC)

A HELOC is a Line of Credit that is based on the percentage of equity you have in your current property. This financing option allows you to borrow as much as you need up to your credit limit.

This means that, with a large enough credit line, you could borrow enough to make a down payment on your new investment property. Then, you can pay off the credit line without afterwards. 

Similar to a Bridge Loan, a Home Equity LOC uses the property as collateral. This means that you can get approved for this financing solution without having perfect credit. 

Home Equity Term Loan

A Home Equity Term Loan is similar to the HELOC Loan except you borrow against a percentage of your home’s equity as a lump sum. Instead of a credit line where you can draw multiple times, this loan provides you with one lump sum to cover the down payment on your new real estate investment.

Unlike the Line of Credit, if you use a Home Equity Loan as a down payment on the new property, you will need to start repaying the loan right away.  

Cash-Out Refinance

With a Cash-Out Refinance, you would refinance the mortgage on your current property. This is a big of a long stretch because you would need to cash-out enough to cover the down payment on the new property as well as your current mortgage. 

For this to work, your current property will need to have a substantial amount of equity and you would still have two mortgages until your current property is paid off or is sold. 

It is generally a better option to go with a Bridge Loan rather than the Cash-Out Refinance option. 

80-10-10 Piggyback Loan

Most mortgages require you to pay at least 20% of the property’s value as a down payment. With the 80-10-10 Piggyback Loan method, you would only need to pay 10% upfront. 

Instead of taking out a Home Equity Loan or Line of Credit on your current property, you take out a loan at the same time as the mortgage on the new property. This allows you to secure the home while only paying half of the required down payment upfront.

Personal Loan

The final option is to just take out a Personal Loan for the amount of the down payment. This is a great way to quickly get the capital you need. However, you will typically need a strong financial history in order to get the amount you need. 

If you have a strong credit history, sound employment, and a good debt-to-income ratio, you might be able to secure the funding you need. If you think this is the right option for you, contact Opportunity Business Loans to secure the capital you need faster than any other lender. 

We provide same-day approvals for affordable loans with flexible terms and low rates. 

Learn more about our Personal Loan Program > 

Bridge Loan Advantages

A Bridge Loan comes with multiple advantages that will help you secure you new real estate investment. Contact Opportunity Business Loans today to obtain the capital you need to secure a new real estate investment through simple and affordable financing options.

Make A Stronger Offer
When it comes to Real Estate, the larger your down payment, the higher chance you have of being approved. With a Bridge Loan, you can secure additional capital to improve your chances of securing the investment property you want.
Lower Payments
Additionally, lenders look at your down payment to determine how much of a risk you are as a borrower. If you have a larger down payment, you are likely to be rewarded with a lower interest rate. This means that you with have lower long-term mortgage payments by using a Bridge Loan.
No Initial Payments
You might be qualified for deferred payments. This means you won't have to make any payments on the Bridge Loan for the first 3 months or more. This gives you time to settle into your new property without stressing about loan payments right off the bat.
If you are planning to sell your current property, you might qualify for interest-only payments until that property is sold. This allows for cheaper payments to borrowers who have a strong personal or business credit history.
Take Your Time
It can be stressful trying to secure a new real estate investment. If you need the capital from your current property before you can make an offer on a new investment, a Bridge Loan is perfect for you. This option will give you the capital you need so that you don't have to rush to sell your current property before making an offer on a new investment.
Keep Your Savings
Making a down payment on a commercial property can quickly burn through your savings. With a Bridge Loan, you can get the capital you need to secure the property by dividing the down payment up into multiple, low monthly payments. Then, when you have enough to pay off the loan, you can do so at any time. We never charge prepayment penalties.

Eligible Properties

Opportunity Business Loans provides convenient and affordable Bridge Loans to real estate investors that are looking to purchase a new commercial property. No matter what type of property you are investing in, we are here to help. Give us a call or fill out our online application form to finance your next investment today!

Single Family
Mixed Use
Apartment Buildings
Hotels & Motels

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Start by filling out our fast application where you can tell us about you and your business. With just one simple application, you'll have access to over a hundred different lenders.

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After submitting your application, our advisors will evaluate your business profile and match you with lenders who can offer the best financing for your business.

Step 3: Select and receive the best financing

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