Short-Term Bridge Loans: A California Investor’s Guide


When it comes to real estate, maximizing opportunities often requires immediate access to funds. Whether you’re navigating the sale of an existing property or need a financial bridge for a lucrative investment, bridge loans can be the key. At Equity Funding Source, we specialize in short-term bridge loans, designed to provide quick financing solutions with terms of one year or less. Here’s everything you need to know about how our bridge loans can work for you in California’s competitive market.

What is a Bridge Loan?

A bridge loan is a short-term financing option designed to provide immediate funds, bridging the gap between the purchase of a new property and the sale of an existing one. It’s ideal for situations where you need quick liquidity but anticipate longer-term financing or sales to come through soon. This is a great option for people that see opportunity in undervalued properties, or someone who is interested in fixing and flipping a property.

Key Characteristics of Our Bridge Loans:

  • Term Length: Up to 12 months.
  • Secured by California equity: Your loan is secured by available equity, we offer bridge loans up to 65% CTLV
  • Flexible Repayment: Various options tailored to your financial situation.

Benefits of Short-Term Bridge Loans

1. Immediate Access to Funds

In real estate, timing is crucial. Private Funding tends to be a much quicker method than traditional financing options with the banks. If you can display an ability to repay, and equity to secure the loan, chances are – we can get you funded, and quick! Our bridge loans provide the quick capital needed to secure new properties or investments without waiting for the sale of your current asset.

2. Simplified Application Process

Designed for speed and efficiency, our application process is streamlined, minimizing paperwork and approval time. This enables you to act swiftly on new opportunities. You can Apply on our website within minutes ! 

3. No Long-Term Commitment

With terms of one year or less, our bridge loans are perfect for short-term needs, avoiding the complexities and obligations of long-term financing.

How Does a Bridge Loan Work?

Eligibility and Application

To qualify for our bridge loans, you typically need:

  • Sufficient Equity: Either in the existing property or as a down payment on the new property.
  • Clear Exit Strategy: Such as an impending sale or expected long-term financing.

Loan Amount and Interest Rates

Loan amounts are based on the equity in your property and your financial needs. While interest rates are a bit higher than traditional loans, they reflect the short-term nature and convenience of private lending bridge financing. Although many people call it Hard Money, the process is quite simple!

Repayment Terms

Typical bridge loans offer flexible repayment terms, including:

  • Interest-Only Payments: Many bridge loans allow you to maintain cash flow by paying only the interest during the loan term. This is an option that we offer here at Equity Funding Source.
  • Full Repayment Upon Maturity: In Private lending, it isn’t uncommon to have the option to pay off the principal at the end of the loan term, usually once the sale of your current property is completed or long-term financing is secured. This is an option that we also offer for qualifying loans. 

When to Use a Bridge Loan

Upgrading or Downsizing Homes

If you’re moving but haven’t sold your current home, a bridge loan can finance your new purchase, allowing you to move without delay.

Real Estate Investment

Investors can use bridge loans to quickly acquire and potentially renovate properties, then sell or refinance within a year.

Commercial Real Estate Transactions

Businesses needing to purchase or develop commercial properties quickly can benefit from our short-term bridge loans while arranging more permanent financing.

Risks and Considerations

While bridge loans offer many advantages, it’s essential to consider the risks:

  • Higher Costs: Higher interest rates and fees compared to long-term loans.
  • Short-Term Commitment: Requires a clear plan for repayment within 12 months.
  • Market Uncertainty: Delays in selling your property can affect your ability to repay the loan on time.

Why Choose Equity Funding Source for your Short-Term Bridge Loans?

At Equity Funding Source, we are committed to providing tailored bridge loan solutions to meet the diverse needs of our clients across California. Our offerings include:

  • Fast Approval: Get quick access to funds with our efficient approval process.
  • Competitive Rates: Benefit from flexible terms and competitive interest rates.
  • Personalized Service: Receive expert guidance and support from our experienced loan specialists. Equity Funding Source is owned and operated by women!


Bridge loans can be a vital tool in your real estate toolkit, offering the flexibility and speed needed to navigate short-term financial gaps. Whether you’re a homeowner transitioning between properties or an investor capitalizing on a new opportunity, understanding how our short-term bridge loans can benefit you is crucial. Reach out to Equity Funding Source today to learn more about how we can support your real estate ventures with our specialized bridge loan solutions.

Call to Action:

Interested in a bridge loan solution? Contact us at (323)225-3800 or to speak with a loan specialist and get started today!