Fast and Flexible Bridge Loan Solutions
Residential Bridge (Fix & Flip) Loans
At LoanLocker, we specialize in providing bridge loans, sometimes considered hard money loans, designed to move at the speed of your project. Whether you’re investing in a Fix & Flip or need quick access to capital for time-sensitive opportunities, our team of experienced bridge lenders are here to help.
- Direct Access to Capital – No middlemen or delays. We’re direct asset based lenders with the ability to fund deals quickly.
- Flexible Loan Terms – Customized for your unique project goals.
- Loan Amounts Up to $5M – Nationwide reach with competitive rates.
- Trusted by Real Estate Professionals – Our reputation speaks for itself.
What Are Bridge Loans?
Bridge loans are short-term, asset-based loans typically used for real estate investments. These loans are funded by hard cash lenders who focus on the value of the property rather than your credit score.
With hard cash money lenders like LoanLocker, you get access to fast, reliable capital with minimal red tape.
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Hard Money Loans Florida and Nationwide
LENDING PARAMETERS
| CLOSING TIME | As little as 48 hours |
| LOAN SIZE | $50,000 to $5,000,000 |
| LTV | Up to 90% LTC |
| LIEN POSITION | First Position Only |
| LOAN TERM | 12 months |
| INTEREST RATES | Starting at 9% |
| AMORTIZATION | Interest-only payments |
| ORIGINATION FEES | Starting at 1% |
| LENDING AREAS | Nationwide |
Flexible solutions
Residential Bridge Loans
Residential Bridge Loans Built for Speed and Certainty
When timing is everything, our residential bridge loans deliver the fast, flexible capital you need to move with confidence. Whether you’re acquiring, renovating, or repositioning a property, we provide short-term financing solutions designed to bridge the gap between opportunity and long-term funding.
We fund:
Purchases or refinances of residential investment properties
Value-add, rehab, and fix-and-flip projects
Ground-up construction and new development
Short-term bridge loans prior to DSCR or permanent take-out financing
Our team specializes in residential investment lending and understands the urgency investors face. We streamline underwriting, cut through red tape, and move quickly—so you can close deals fast and keep your projects on track.
Is LoanLocker The Right Lender For You?
WHO DOES LOANLOCKER LEND TO?
Real Estate Investors Purchasing Rental Properties
Many of our clients are real estate investors looking to buy rental properties. These investors rely on hard money lenders like LoanLocker for fast capital to secure properties before refinancing later through conventional means. Our hard cash money lenders serve as a bridge, helping investors act quickly in competitive markets while planning for long-term financing.
Fix-and-Flip Investors
Investors who buy, renovate, and quickly resell homes need fast funding to seize opportunities. That’s where our role as hard loan lenders becomes essential. We provide short-term, asset-based financing, allowing these investors to purchase distressed properties, complete renovations, and sell for a profit—without the delays of traditional bank loans.
Builders and Developers
Builders often choose to work with hard lenders because of the speed and flexibility we offer. Whether you’re starting a ground-up project or completing a development, our hard money commercial real estate loans help you get the capital needed to keep the project moving. Unlike banks, our process is streamlined, making us the preferred choice for many developers.
Borrowers Who Cannot Refinance With a Traditional Bank
In the current lending environment, borrowers often cannot qualify for a
traditional refinance on their real estate investment, even though in many cases there is significant equity in the property. The following reasons may be factors:
*Credit score is below 720
*Insufficient or inconsistent income to qualify for a traditional loan
*Debt-to-income levels are too high.
Borrowers Who Can’t Qualify with Traditional Banks
As one of the leading Mobile Home Park Loan and Hard Loan Money Lenders, LoanLocker supports borrowers who are unable to refinance with a bank due to credit score issues, income inconsistencies, or high debt-to-income ratios. Even when properties have strong equity, banks may decline refinancing—but our hard money loan lenders are here to step in and help secure short-term funding.
