Most banks and institutional lenders only offer bridge financing if both your purchase and sale have firm, unconditional closing dates. If your sale isn’t finalized, they typically won’t move forward—no matter how much equity you have.

We understand that sometimes you need to move forward before your home is sold. As long as there's sufficient equity in the existing property, we can provide funding to help you close your purchase—even if your sale is still in progress.
This provides peace of mind, breathing room, and the ability to move confidently.

Very fast. We can often underwrite and issue a commitment the same day, with no appraisal needed.
If the documents are in order, we can fund within as little as 2 business days, ensuring you meet tight closing deadlines with less stress.

We’ll need:

• Property addresses (purchase and current home)

• Mortgage details on the current home

• The amount needed for the bridge

• Estimated or expected sale value of your current home

• Recent property photos (MLS listings work perfect for this).
  With this, we can quickly determine if the deal works—and in most cases, if there’s equity, it does!

We offer a simple all-in cost structure. It includes:

• The lender fee

• Legal fees for the lender's lawyer (for origination)

• The discharge fee (when your sale closes)

• No interest charges if repaid by a set date
  This makes budgeting easy and keeps total costs predictable.

No formal appraisal is required. We do our own internal evaluation based on recent photos and market data. Income and credit are secondary—we focus on equity and a clear exit strategy.

Once your sale closes, the bridge loan is repaid in full, including all included costs. We’ll coordinate with your lawyer to ensure the discharge process is smooth and automatic.

If there is not enough proceeds to pay out the bridge loan in full, we can discharge on the sale property and determine a new term for the remaining mortgage on your purchase property.

Bridge loans are usually designed for 90 days or less, but we’re flexible. If your sale is taking longer than expected, we can discuss extensions or alternative plans. Communication is key, and we’re here to work with you.

It may make sense to structure the loan in a different way (such as a fully open 6 month term)

We’re faster, more flexible, and actually say yes when others won’t.
Our process is built for real-life situations—not just perfect files. We don’t rely on rigid formulas. Instead, we focus on equity, timing, and providing a stress-free path to close your new home successfully.