Short Term Bridge Loans For Real Estate Investors

Our Bridge Loan Rates & Terms:

Property Types

Single family, condos, townhomes, multi-family 2-4 units
1st Trust Deeds up to 80% Loan to Value

Loan Amounts

$100,000 – $2,000,000+


Terms from 6-24 months Interest Only, Purchase or Refi

Loans Available

Loans are available to individuals, trusts, corporations, and limited partnerships.

A bridge loan is a temporary loan with a maturity of 12 months or less. An example of such a loan is one used to finance the purchase of a new property where the investors plan to sell the property within 12 months.

Many investors use this program to acquire properties “same as cash”. 

Bridge loans are used as a temporary source of capital until a more traditional source can be secured.

Bridge loans are used in real estate for many reasons, including buying a property, stabilizing a property, or quick closing.

A bridge loan provides investors and real estate professionals the capital and time needed to get from point A to point B in their journey to profitability. A bridge loan can also provide short-term capital that banks are unwilling to offer.

Traditional lenders are limited to providing capital under a strict set of conditions. American Heritage Lending is not bound by those restrictions and can provide bridge loans backed by the equity in a property to meet any requirements.

We also offer bridge loans to investors that need fast money on property that is held free and clear or with substantial equity. Our bridge loans maximize your flexibility, enabling you to build, purchase, or rehab property.



  • Developer: Needs capital to continue construction or development while waiting for equity financing to close.
  • Investor: Purchases a property that requires funds for renovation and operation while locating renters.
  • Buyer: Needs funds ASAP to purchase a prime piece of property.

Bridge Loans for Owner/User

Looking to acquire and make improvements to residential properties? Finding an easy answer to your short-term financing needs will enable you to focus more time on your project. Examples of when this could be relevant include:

  • Projects that need quick closing.
  • Investors that can’t qualify for traditional loans.
  • Owners making improvements to real estate.

Boost the value of your equity with one of our fast and easy bridge loans! Making improvements will increase the value of your investment, and our bridge loans will help you upgrade the condition of your property and bring in new, rent-paying tenants. Let us bridge the gap between purchase and stabilization. We will help you improve your property from distress to success.

We offer interest-only and term loans from 6 to 24 months, allowing you to choose a payment schedule that fits your needs!

Bridge Loans for Investor Property

Traditional financing for any investment property type requires a history of tenant payments. But, as is often the case, the property owner is interested in renovating the vacant property and attracting new tenants. Once these tenants are in place, owners must stabilize the income they receive.

Our bridge loans provide the means to complete the transaction with enough time to stabilize the property. Banks require a history of tenant payments, making it difficult to maintain that stabilization. We offer a quick close on the vacant building and flexible terms that give you ample time for renovations and stabilization.

We are as good as cash. And with no limits on the number of properties or bridge loans, you can leverage one building or your entire commercial portfolio.

Bridge Loans for a Refinance

This is among the most common uses for a bridge loan. There are times when an investor does not qualify for SBA loans due to damaged credit or a non-qualified property, which hinders a property owner’s access to equity in their traditional property.

This is where American Heritage Lending steps in. We can provide the capital to handle the necessary short-term liquidity needs so long as there is sufficient equity in the property. Our loans are designed for quick underwriting and fast closing to meet a borrower’s expedited timeline.

Click here for access to the Consumer NMLS

FHA Lender ID 27897-0000-1 ⋅ VA Lender ID 902138-00-00
State licenses: Arizona Mortgage Banker License 0912684; California - Department of Financial Protection and Innovation, Pursuant to California Financing Law License Number 603G668; California - DRE Real Estate Corporation License Endorsement 01844643; Colorado Mortgage Company Registration 93735; Florida Mortgage Lender License MLD94; Iowa Mortgage Banker License 2018-0155; Maryland Mortgage Lender License 18412; Nebraska Mortgage Banker License 93735; Oregon Mortgage Lending License ML-4808; Virginia Broker License MC-5775; Virginia Lender License MC-5775; Washington Consumer Loan Company License CL-93735.

Submitting a form from this website does not obligate you to enter into an agreement with American Heritage Lending, LLC; nor does it constitute an application for a mortgage loan. Submitting this form does authorize to deliver this form to a American Heritage Lending, LLC mortgage loan officer who will contact you by phone and/or email to respond to your inquiry into the American Heritage Lending, LLC mortgage programs and financing solutions.

American Heritage Lending, LLC, is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is: Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.