Bridge Loans in Miami, FL
Short-term financing designed to bridge the gap between the purchase of one property and the sale of another. Perfect for investors timing property transactions or needing quick liquidity.
Loan Range
$150,000 – $5,000,000
Rate
10%
LTV
65%
Term
6 mo
Ideal For
3 borrower types
Bridge loans from Hard Money Lenders of Miami fill the gap between transactions, when you need to buy before you sell, restructure a portfolio, or time a refinance. We offer bridge financing on residential and commercial properties throughout Miami-Dade, with typical terms of 6-12 months and LTV up to 65%.
Bridge financing works when traditional timelines don't. You're under contract on a new property but your current one hasn't sold. You need to close on an auction purchase before arranging long-term financing. We evaluate the collateral, your exit strategy, and the numbers, not a lengthy underwriting process.
Approval in 24-48 hours, funding in 7-14 days. No prepayment penalties. Miami real estate doesn't wait, and neither do we.
What to Expect
Typical terms: 6-12 months. Designed to bridge a gap, not for long-term hold.
LTV typically 50-65%. Strong exit strategies can improve terms.
Residential, commercial, and mixed-use all qualify. No prepayment penalties.
7-14 days to close. Approval in 24-48 hours.
Typical Use Cases
Bridge Loans work well for these scenarios. We tailor terms to your specific Miami project and timeline.
- , Property flipping
- , Portfolio restructuring
- , Quick closings
- , Bridge between sales
- , Contingent financing
Requirements
- , Exit strategy
- , Property acquisition contract
- , Current property details
- , Timeline documentation
Pros
- +Extremely fast funding
- +Flexible exit strategies
- +No income verification
- +Short closing times
Cons
- −Higher interest rates
- −Short terms
- −Higher fees
- −Strict exit requirements
Ideal For
Why Choose Hard Money Lenders of Miami for Bridge Loans?
- , 24-48 hour approval process, Miami deals don't wait
- , Asset-based lending, property value drives approval, not just credit
- , Loan amounts from $150,000 to $5,000,000
- , Terms from 6 to 6 months, flexible for your timeline
- , No prepayment penalties, exit when it makes sense
- , Local Miami expertise, we know the market
How It Works
- 1Apply, Call us at 305-928-2678 or submit our contact form with your property details.
- 2Get Approved, We review your deal and typically respond within 24-48 hours with terms.
- 3Close, We fund in 7-10 days. You get the capital you need to close your Miami deal.
Bridge Loans at a Glance
Frequently Asked Questions
When should I use a bridge loan?
Bridge loans work when you need quick financing between transactions, buying before selling, portfolio restructuring, or timing a refinance. Perfect for Miami investors moving fast.
How short can a bridge loan be?
Typical terms are 6-12 months. We structure terms to match your exit strategy, sale or refinance.
What's the typical LTV on bridge loans?
We typically offer up to 65% LTV on bridge loans. Strong exit strategies can improve terms.
Can I use a bridge loan for an auction purchase?
Yes. Our fast approval process works well for auction purchases and other time-sensitive Miami deals.
Are there prepayment penalties?
No. Prepayment is always allowed. Exit when your refinance or sale is ready.
What property types qualify?
Residential, commercial, and mixed-use. We fund acquisitions, refinances, and portfolio restructuring.
Property Types We Finance
Get Started
Ready to apply for Bridge Loans? Contact us today for a quick quote.
Apply NowCall 305-928-2678*Not available in all states, certain restrictions regarding population. Certain credit and experience requirements for max leverage.
Explore Other Loan Types
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