“Excellent communication and expediency”
Amazing experience with Bryce! Excellent communication and expediency throughout the entire transaction. They were able to close our emergency deal in less than 48 business hours!
Ahmad A.
Real estate loan
Quick Closing Bridge Loans
Secure private capital for your next bridge loan mortgage.
Whether it's a fix-and-flip, rental rehab, or cash-out refinance, bridge loans make real estate investing fast, easy, and flexible.
- Up to 95% LTC
- 100% rehab financing
- Close in 10–14 days
The short answer
What is a bridge loan?
A bridge loan is short-term, asset-based financing that gets a real estate investor to a closing now (an acquisition, a quick refinance or a liquidity gap) until a sale, refinance or longer-term loan takes it out. Axelrad's bridge loans go up to $5,000,000 at up to 95% LTC with 100% rehab financing, on 6 to 24 month terms.
Bridge loan terms at a glance
- Loan amount
- Up to $5,000,000.
- Leverage
- Up to 95% LTC.
- Rehab
- 100% rehab financing.
- Terms
- 6–24 months.
- FICO
- Specialty programs go as low as 550, and some have no FICO requirement.
- Appraisals
- No-appraisal options.
- Prepayment penalty
- None.
- Closing
- 10–14 days, after same-day prequalification.
- Where
- Available in all 50 states.
Why bridge loans beat traditional financing
Speed, flexibility and underwriting on the property rather than on income.
| Feature | Axelrad | Traditional loan |
|---|---|---|
| Speed | Close in 10 days | 30–60+ days |
| Docs | Minimal | Extensive |
| Focus | Property-based | Income & credit |
| Flexibility | High | Low |
Is a bridge loan right for you?
Who uses a bridge loan
Fix & flip investors
Buy, renovate and sell with the rehab financed.
Buy-and-hold strategists
Bridge into a rental, then refinance into long-term debt.
Real estate developers
Cover an acquisition or a gap while the project gets to its next stage.
Property wholesalers
Close quickly on a purchase when a bank timeline would lose the deal.
The process
Bridge loan process: fast and simple
Submit a brief application
A few minutes online.
Same-day prequalification
Know where you stand the day you apply.
Finalize terms
Terms customized to your strategy.
Close in 10–14 days
Funds go out on your timeline.
Why choose Axelrad Capital
- Direct lender, no middlemen
- Fast closings
- Available in 50 states
- Real people, real decisions
- Customized terms for your strategy
- No prepayment penalties
Our Success Stories
5.0★★★★★29 reviews on Google · Read them
“Total transparency”
Truly quality people. Polite, professional, and always kept the line of communication open. Total transparency which is KEY in lending. I highly recommend. We used them for a BRIDGE loan and will use them again for our next investment property.
Nic B.
“Someone in your corner”
If you want certainty and someone in your corner who will go the extra mile to get your deal done, there’s no one better to work with than Axelrad.
Travis M.
“The easiest to work with”
My experience with Axelrad Cap and Bryce has been top notch. We’ve closed on three transactional deals together and without question, he’s the easiest to work with and operates with the most integrity.
Dan S.
“Dealmakers not dealbreakers”
I’ve used Bryce and his team for several transactions and they always provide the highest level of customer service, they know what they’re doing, and they are dealmakers not dealbreakers.
Green Root Development
“Went way above and beyond”
I was in a bind on a property; needed funds to prevent losing the contract. … Bryce explained what needed to be done in the future to ensure fewer hiccups, then went WAY above and beyond to rush everything that same day to make sure we got the deal closed.
Americo P.
“You couldn't dream of a better lending partner”
You couldn't dream of a better lending partner to work with than the team at Axelrad Capital! In an industry that often feels so cold & transactional, Bryce and his team make you feel like VIP's!
Aaron W.
“Professional, transparent, and always went above and beyond”
Their commitment to high integrity and exceptional service is truly impressive. From start to finish, they were professional, transparent, and always went above and beyond to meet my needs.
Seth A.
“Sharp, responsive”
Bryce is sharp, responsive, and understands how to structure deals efficiently and quickly.
LeadMasters Property LLC
“Creative with difficult deals”
They have a strong desire and willingness to be creative with difficult deals.
Robert
“Always ready to pick up the phone”
They have a ton of resources and a team member is always ready to pick up the phone and help move the project forward.
Brian A.
Common Questions
What people actually ask before they apply.
What is a bridge loan?
A bridge loan is short-term, asset-based financing that gets a real estate investor to a closing now (an acquisition, a quick refinance or a liquidity gap) until a sale, refinance or longer-term loan takes it out. Axelrad's bridge loans go up to $5,000,000 at up to 95% LTC with 100% rehab financing.
How long is a bridge loan?
Axelrad's bridge loans run 6 to 24 months.
How fast can a bridge loan close?
Axelrad bridge loans close in 10 to 14 days after same-day prequalification, against 30 to 60+ days for a traditional loan.
What can I use a bridge loan for?
Fix and flips, rental rehabs, cash-out refinances, acquisitions, quick refinances and liquidity gaps. Fix and flip investors, buy-and-hold strategists, developers and wholesalers all use them.
Do bridge loans require an appraisal?
Axelrad offers no-appraisal options on its bridge loans. Underwriting is property-based, with minimal documentation, rather than income-and-credit based.
What credit score do I need for a bridge loan?
Specialty bridge programs go as low as a 550 FICO, and some have no FICO requirement. Underwriting is property-based, so the asset and the exit carry the decision. Axelrad always asks permission before pulling credit.
Is there a prepayment penalty on a bridge loan?
No. Axelrad's bridge loans carry no prepayment penalties.
Is a bridge loan the same as a hard money loan?
They overlap. A bridge loan is defined by its purpose, bridging the gap to a sale, refinance or longer-term loan, while hard money describes how a loan is underwritten: on the asset and the exit rather than on income and credit. Axelrad's bridge loans are both short-term and property-based.
What do I need to apply for a bridge loan?
A brief application gets you same-day prequalification. For hard terms Axelrad needs a loan application, plus your purchase contract, rehab budget, entity information and ID.
Need to close before the bank can?
Tell us about the deal. You get same-day prequalification and a direct line to the people who make the decision.
Part of this division
The division this program sits inside, and everything else it funds.
Related products
Deals rarely fit one box. These are the programs investors most often compare this one against.
- Fix & Flip LoansFix & Flip loans up to 95% LTC with 100% of renovation costs covered. Close in days, draws in as fast as 48 hours, rates from 8.9%.
- Hard Money LoansAsset-based lending for real estate investors, underwritten on the property and the exit rather than tax returns, and built to close on your timeline.
- Transactional FundingA direct transactional lender funding 100% of your A–B close for same-day double closings. Points from 1%, no upfront fees, no credit check.
- EMD FundingGator loans and EMD funding the same day with no credit pull, across all asset categories — we put up the earnest money so your capital stays free.
- Rental Loan ProgramRental property loans up to 85% LTV with terms up to 30 years and rates from 7.125% — built for stabilized rentals and portfolio growth.
- Retail, Industrial & StorageCommercial bridge loans of $4 million to $20 million on retail, industrial and storage property. First lien, up to 70% of as-is value, from 9%.
- Commercial LendingFlexible commercial real estate financing for acquisitions, refinances, and value-add projects in all 50 states.
Guides worth reading
Written for the person doing the deal, not for search engines.
- Bridge loans: what they are and when to use them
- Transactional funding vs EMD vs bridge loans
- What Is a Bridge Loan in Real Estate? A Plain Guide for Investors
- How Do Bridge Loans Work? A Step-by-Step Guide for Investors
- Bridge Loan LTV vs LTC: What Each Ratio Means (With a Worksheet)
- Bridge Loans and 1031 Exchange Timing: What Investors Should Know
- Blanket Bridge Loans: Bridging a Portfolio Under One Loan
- Bridge Loan Business Plan and Capital Stack Template
- Bridge Loan Timeline: From Application to Closing