Short Term
Real Estate Loan

When real estate opportunities arise, timing is everything. Whether you’re looking to purchase a property quickly, finance a renovation, or bridge a gap in funding, short-term real estate loans provide the fast, flexible financing you need to seize those opportunities. We specialize in a range of short-term financing solutions tailored to real estate investors and developers.



What is a Short-Term Real Estate Loan?

Short-term real estate loans are designed to provide quick access to capital, typically for periods ranging from a few months to a few years. These loans are ideal for real estate investors who need to close deals quickly, complete renovations, or bridge financing while waiting for longer-term funding options. With shorter loan terms and more flexible approval criteria, they offer the speed and flexibility that traditional mortgages may not.



When to Consider a Short-Term Real Estate Loan

Short-term real estate loans are ideal for:

  • Fix-and-Flip Projects: Purchase, renovate, and resell a property within a short time frame.
  • Bridge Financing: Secure funding for a property purchase while waiting for long-term financing to close or sell another property.
  • Auction Purchases: Quick access to capital is essential when purchasing properties at auction.
  • New Construction: Finance the construction phase of a development before transitioning to long-term financing upon completion.
  • Property Improvements: Fund renovations or repairs on an investment property to increase value before refinancing or selling.

<Types of Short-Term Real Estate Loans>

1. Bridge Loans

Bridge loans are short-term financing options that allow you to “bridge” the gap between purchasing a property and securing permanent financing or selling another property. 

  • Loan Term: Typically 6 to 60 months
  • Quick Funding: Fast approval and funding, ideal for time-sensitive purchases
  • Interest Rates: Higher than traditional loans, but provide quick access to capital
  • Use Case: Purchasing property while waiting for long-term financing or sale of another asset

2. Hard Money Loans

Hard money loans are asset-based loans primarily used by real estate investors for short-term projects, such as fix-and-flip investments. These loans are based on the property’s value rather than the borrower’s credit score. 

 

  • Loan Term: Typically 6 to 18 months
  • Fast Approval: Quick underwriting and disbursement of funds
  • Flexible Credit Requirements: Approval is based on the property’s value
  • Use Case: Renovations and quick resale of properties for profit

3. Fix-and-Flip Loans

Fix-and-flip loans are specifically designed for investors who plan to buy, renovate, and resell a property in a short period. These loans provide the funding needed to purchase and renovate the property, often with fast approval times.

 

  • Loan Term: Typically 6 to 12 months
  • Fast Access to Capital: Quick funding for both the purchase and renovation
  • Interest Rates: Higher due to the short-term nature of the loan
  • Use Case: Investors looking to buy, fix, and resell properties for a profit

4. Construction Loans

For developers building new properties, short-term construction loans provide the funding necessary to complete the construction phase before transitioning to long-term financing. These loans cover the cost of building materials, labor, and other expenses during the construction process.

 

  • Loan Term: Typically 12 to 36 months
  • Flexible Draw Schedules: Funds are released in stages as construction milestones are met
  • Use Case: Residential or commercial property developments