Arizona Bridge Lending

Bridge Loans in Arizona

Short-term bridge financing for acquisitions, refinances, and repositioning. Direct lender with asset-based underwriting — we close in days, not months.

Submit a Deal All Loan Programs
Term
6 – 24 Months
Position
Senior Debt
LTV
Up to 75%
Close Time
Days, Not Months

Want pricing? Call to discuss — (480) 345-3990

Bridge Lending in Arizona

What Is a Bridge Loan?

A bridge loan is a short-term real estate loan — typically 6 to 24 months — designed to bridge the gap between where a deal is today and where it needs to be. Whether you are acquiring a property before your permanent financing is in place, refinancing out of a maturing loan, or repositioning an asset that a bank won't touch yet, a bridge loan gives you the capital and the time to execute your plan.

Bridge Financial is a direct private lender based in Tempe, Arizona. We fund bridge loans across the Phoenix metro and statewide — on commercial real estate, multifamily, land, and non-owner-occupied investment residential. Because our principals underwrite and fund every loan directly, there is no committee, no middleman, and no re-trading terms at the closing table.

Our underwriting starts with the exit. Before we look at anything else, we want to understand how the loan gets repaid — the takeout strategy, the timeline, and how realistic it is. Asset value and borrower experience matter, but the exit is what we are underwriting to. If it is clear and credible, we can move fast.

Arizona's commercial real estate market moves quickly. Time-sensitive acquisitions, distressed properties, and transitional assets require a lender who can make decisions in days — not weeks. That is what we are built for. Explore our bridge loans in Phoenix, Scottsdale, and Tempe, or submit your deal and we will respond directly, typically within 24 hours.

What We Finance

Bridge loans across virtually every commercial real estate asset type and transaction structure.

Loan Uses

  • Acquisition
  • Cash-Out Refinance
  • Repositioning
  • Partner Buyout
  • Note Purchase

Property Types

  • Multifamily
  • Retail & Office
  • Industrial
  • Mixed-Use
  • Non-Owner Occupied Residential

Why Bridge Financial

  • Asset-Based Underwriting
  • Direct Principal Access
  • No Bank Committees
  • Fast Approvals
Recent Closings

Bridge Loans We've Funded

A sample of recent bridge loan transactions across asset types.

Multifamily Refinance

Multifamily Refinance

  • Bridge to Stabilization
  • $5,000,000
  • Structured Capital
  • 75% LTC / 54% LTV
Learn More
Residential Refinance

Residential Refinance

  • Cash Out Refinance
  • $350,000
  • Direct Lending
  • 75% LTC / 60% LTV
Learn More
Retail Building Acquisition

Retail Building Acquisition

  • Direct Lending
  • $850,000
  • Commercial Retail Building
  • 70% LTV
Learn More
Multifamily Refinance

Multifamily Refinance

  • Bridge to Stabilization
  • $5,000,000
  • Structured Capital
  • 75% LTC / 54% LTV
Learn More
Residential Refinance

Residential Refinance

  • Cash Out Refinance
  • $350,000
  • Direct Lending
  • 75% LTC / 60% LTV
Learn More
Retail Building Acquisition

Retail Building Acquisition

  • Direct Lending
  • $850,000
  • Commercial Retail Building
  • 70% LTV
Learn More
How It Works

From First Call to Funding

01
Submit Your Deal

Tell us the loan amount, property type and location, and your exit plan. Online or by phone — we respond within 24 hours, directly from a principal.

02
Term Sheet

If the deal fits, we issue a term sheet quickly. No committees, no weeks of back-and-forth. You deal directly with the decision-makers.

03
Diligence & Title

We order an appraisal or BPO, confirm title, and work through any diligence items. We give you a clear list of what we need on day one.

04
Close & Fund

We close when everything is in order — often in days. We close what we quote, and we don't re-trade at the table.

FAQ

Bridge Loans in Arizona

What is a bridge loan?

A short-term loan — typically 6 to 24 months — that funds an acquisition, refinance, or repositioning until the property qualifies for permanent financing or is sold. Bridge loans are asset-based, close fast, and are used when a bank can't move quickly enough or won't finance the property in its current condition.

How much can I borrow on a bridge loan in Arizona?

Up to 75% of the property's value on our bridge program. The exact amount depends on the asset type, location, and your exit strategy. Submit your deal and we'll tell you what we can do.

What can a bridge loan be used for?

Acquisitions, cash-out refinances, repositioning and value-add projects, partner buyouts, note purchases, and paying off maturing debt while you arrange permanent financing.

What property types qualify for a bridge loan?

Multifamily, retail, office, industrial, mixed-use, hospitality, and non-owner-occupied residential investment property. We also lend on land. If you're not sure whether your property qualifies, call us at (480) 345-3990.

What is the difference between a bridge loan and a hard money loan?

They overlap significantly — both are short-term, asset-based private loans. Hard money loans lean more heavily on the asset and are often used for urgent or non-bankable deals, typically at up to 70% LTV. Our bridge loans offer up to 75% LTV and terms up to 24 months, and are suited for a broader range of transaction types including acquisitions, refinances, and repositioning plays.

How fast can a bridge loan close in Arizona?

With a complete package, we can close in days. Title, valuation, and diligence drive the timeline — not our internal process. We have no loan committee, and a principal is involved on every deal from day one.

Do you require a minimum credit score for a bridge loan?

We are an asset-based lender. The property, the exit strategy, and the borrower's real estate experience matter more than a credit score. We work with borrowers that banks have turned down.

What do I need to submit a bridge loan application?

Start with the basics: loan amount, property address and type, purchase price or current value, and a summary of your plan and exit. Submit your deal online or call (480) 345-3990.
Bridge Lending by Market

Bridge Loans Across Arizona

We lend throughout the Phoenix metro and statewide. Find bridge loan information for your market.

Get Started

Have a Deal That Fits? Let's Talk.

Tell us about your deal. We'll review quickly and respond directly, typically within 24 hours.

Or call us at
(480) 345-3990

Reviewed quickly, typically within 24 hours.

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