Bridge Loans.
Speed, Without a Rehab Budget.
Up to 82.5% of as-is value. Single funding at close.
What Is a Bridge Loan?
A bridge loan is short-term financing underwritten to the property's as-is value, not its after-repair value. At LenderX.ai it goes up to 82.5% of as-is value, with 12–36 month interest-only fixed terms.
Bridge has no rehab budget. Everything funds in a single draw at close, so there's no draw administration. If you need renovation money, that's a fix & flip loan.
What Are the Bridge Loan Terms?
Program terms as of October 6, 2026. Every deal prices differently, and all loans are subject to underwriting. Nationwide, state restrictions apply.
| Term | Bridge |
|---|---|
| Leverage | Up to 82.5% of as-is value |
| Underwritten to | As-is value, never ARV |
| Rehab budget | None. Single funding at close |
| Loan amount | $100,000 – $7,500,000 |
| Term | 12–36 months, interest-only, fixed |
| Credit | 660+ |
| Loan purposes | Purchase, rate/term refinance, cash-out refinance |
| Time to close | 10–21 days |
| Pricing | Quoted per deal |
Maximum figures shown are not available in combination on every transaction.
When Does a Bridge Loan Make Sense?
Maturing Loan
Pay off a maturing loan while you sell or refinance.
Fast Purchase
Close quickly on a property that doesn't need a rehab budget.
Cash-Out
Pull cash out of a property you already own, based on as-is value.
No Draws
One funding at close. Nothing to administer afterward.
Can You Close a Bridge Loan Before My Current Loan Matures?
Yes. An investor had a hard money loan maturing in 11 days with no extension, and the property wasn't stabilized enough for a DSCR refinance. We closed a bridge loan in 9 business days, paid off the maturing note, and gave the borrower 18 months of breathing room.
Real deal. Real outcome.
Bridge Loan Questions We Actually Get Asked
A bridge loan has no rehab budget and is underwritten to as-is value. A fix & flip loan finances the renovation too, with rehab funds released in draws, and is sized against after-repair value (ARV).
Up to 82.5% of the property's as-is value. We never use after-repair value for bridge loans.
No. Bridge loans have no rehab budget. If you need renovation funds, a fix & flip loan is the right program.
12–36 months, interest-only and fixed.
10–21 days. If you're up against a maturity date, tell us the date on the first call.
Yes. Paying off a maturing loan while you sell or refinance is one of the most common uses.
Yes. Bridge covers purchase, rate/term refinance, and cash-out refinance.
660+. All loans are subject to full underwriting approval.
We lend nationwide, and state restrictions apply. Send us the property address and we'll confirm whether we can lend there.
Other LenderX.ai Programs
Send Us the Address.
We'll Send You Real Terms.
Talk to a lender, not a sales team. No commitment. No appraisal until you see real numbers.
LenderX.ai originates business-purpose loans secured by non-owner-occupied investment property only. Program terms shown reflect best-available terms as of October 6, 2026 for the most qualified borrowers; your terms depend on credit, experience, property type, location, DSCR, project scope, and loan structure. Maximum figures shown are not available in combination on every transaction. Terms and program availability are subject to change without notice and state restrictions apply. This is not a commitment to lend.