Short-term capital for acquisitions, repositioning, and value-add plays. Fast execution, flexible terms — built for deals that can't wait.
A bridge loan is short-term financing designed to "bridge" the gap between acquiring or repositioning a property and securing long-term financing or selling the asset. It's the preferred tool for investors who need to move fast.
Unlike conventional loans, bridge financing is asset-based — meaning qualification leans heavily on the property's value and your exit strategy, not just your personal income or credit score. This makes it ideal for investors who are building a portfolio at scale.
Bridge loans work best when you have a clear exit plan: refinancing into a long-term DSCR or permanent product once the property is stabilized, or selling after a value-add renovation. The faster your execution, the better the economics of this product.
At Civic Financial Services, we offer bridge loan products for multi-family, mixed-use, and residential investment properties nationwide — with terms structured around your project timeline, not a one-size-fits-all checklist.
When a deal requires speed and conventional financing timelines would cost you the contract.
Acquiring a distressed or underperforming property with a plan to renovate and reposition before refinancing.
Bridging the gap while a newly renovated property reaches stabilized occupancy before qualifying for DSCR or agency financing.
Moving from expensive hard money into a more structured bridge product with better rates and terms.
Investors scaling quickly who need capital deployed fast across multiple assets simultaneously.
Short-term hold financing while waiting for the right market conditions to maximize your exit price.