Bridge Loans in Miami, FL
Short-term financing for properties that require quick closing or bridge between transactions. Bridge loans are ideal for time-sensitive investments and portfolio restructuring.
Avg Value
$750K
Term
6 mo
Potential
High
Risk
Medium
Bridge loans fill the gap between transactions, when you need to buy before you sell, restructure a portfolio, or time a refinance. Hard Money Lenders of Miami provides bridge financing for residential and commercial properties throughout Miami-Dade, with typical terms of 6-12 months.
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.
We typically offer up to 65% LTV on bridge loans. Approval in 24-48 hours, funding in 7-14 days. No prepayment penalties, exit when your refinance or sale is ready.
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 Properties
Our lending partners finance these property types throughout Miami-Dade County. Flexible terms offered by participating lenders accommodate a range of strategies, from fix-and-flip to long-term rental.
- , Quick closing properties
- , Distressed sales
- , Auction purchases
- , Contingent deals
- , Portfolio restructuring
- , Property flipping
- , Gap financing
Typical Loan Types
Why Choose Hard Money Lenders of Miami
- , Our lending partners can typically approve within 24-48 hours, Miami deals don't wait
- , Asset-based lending, property value drives approval, not just credit
- , No prepayment penalties on many partner programs
- , Local Miami expertise, we know the market
- , Flexible terms offered by participating lenders, tailored to your investment needs
How It Works
Frequently Asked Questions
When should I use a bridge loan for a property?
Bridge loans work when you need quick financing between transactions, buying before selling, portfolio restructuring, or timing a refinance.
What property types work for bridge loans?
We offer bridge financing on residential, commercial, and mixed-use properties throughout Miami-Dade.
How short can a bridge loan be?
Typical terms are 6-12 months. We structure terms to match your exit strategy.
What's the typical LTV on bridge loans?
We typically offer up to 65% LTV. Strong exit strategies can improve terms.
Are there prepayment penalties?
No. Prepayment is always allowed. Exit when your refinance or sale is ready.
Get Financing
Ready to finance your bridge loans in Miami? Contact us for a quick quote.
Apply NowCall 305-928-2678Explore Other Property Types
Residential Properties
Single-family homes, townhouses, condos, and multi-family units. Residential properties offer stability, predictable cash flow, and long-term appreciation potential.
Commercial Properties
Income-producing properties including retail spaces, office buildings, warehouses, and mixed-use developments. Commercial properties offer higher returns but require more expertise.
Investment Properties
Properties purchased specifically for income generation through rental or appreciation. Investment properties include both residential and commercial types.
Fix-and-Flip Properties
Distressed or undervalued properties purchased for renovation and resale at a profit. Fix-and-flip properties offer high potential returns but require renovation experience and capital.