Bridge Loans
For real estate investors.
Bridge Loans
A Bridge Loan is a short-term real estate financing solution designed for situations that require immediate financing and creative funding options, such as the period between acquiring a new property and securing permanent financing or selling an existing one.
Turn opportunities into reality with the financial agility of Alto Capital’s Bridge Loans.
Access private money lending options tailored to their specific needs and take advantage of investment opportunities without delay.
Why choose our bridge loans
Fast closings: Secure your funding in 10-14 days and take advantage of opportunities without delays.
Competitive financing: Up to 75% for purchases and refinances and up to 70% for cash-out.
No prepayment penalties: Pay off your loan at any time without extra costs.
Foreign investors accepted with a +0.25% rate adjustment.
Bridge loans requirements 
Bank statements: Last 3 months
Official ID: Passport, visa (for foreign investors)
Business documents: LLC or Corp registration, EIN, and operating agreement
Renovation budget (if applicable)
Liquidity reserves: 6 months of cash reserves
Non-owner occupancy certification
Credit report & background check: SSN required
Insurance coverage: Full replacement coverage + $500K liability, plus builder’s risk insurance (if applicable)
Minimum credit score: 680
Signed loan application
Purchase contract (if applicable)
Bridge Loans FAQ
What is a bridge loan and how does it work in real estate investing?
A bridge loan is a short-term financing solution that helps real estate investors “bridge the gap” between immediate capital needs and long-term financing. It’s commonly used to acquire or refinance properties quickly while waiting for traditional financing or asset sales.
When should I consider using a bridge loan for my investment property?
Bridge loans are ideal when you need fast capital—for example, to close on a competitive property, renovate for resale, or refinance an existing loan. They’re especially useful in time-sensitive deals where traditional bank financing may not move fast enough.
How fast can I get approved and funded with Alto Capital?
Alto Capital specializes in quick closings. Once all documents are submitted, approvals can be issued in 24–48 hours, and funding is typically completed in under 10 business days.
What kind of properties are eligible for bridge loans at Alto Capital?
We finance a range of real estate assets, including single-family rentals, multifamily properties, mixed-use developments, and commercial real estate. Our loans are tailored to real estate investors and developers—not owner-occupied homes.
How is a bridge loan different from a traditional bank loan?
Bridge loans are faster, more flexible, and less reliant on borrower credit scores or tax returns. Instead, the focus is on the value of the asset and the investment plan. While interest rates are higher, the speed and flexibility can be key to closing important deals.
Our bridge loans offer up to 75% LTV for purchases and refinances, and up to 70% for cash-outs, with terms ranging from 12 to 24 months. There’s no prepayment penalty, and we prioritize simple, fast underwriting with a relationship-first approach.
Don’t Miss Out on Your Next Investment.
Get Funded
Fast
Avoid costly delays. Alto Capital’s Bridge Loans help you seize opportunities, solve short-term liquidity gaps, and stay competitive.
