What types of business funding does Surge Financial offer?

Surge Financial offers SBA loans, business lines of credit, equipment financing, working capital loans, revenue-based financing, and invoice factoring. We help businesses secure $10K to $5M in funding.

What real estate financing options are available?

Surge Financial provides DSCR loans, hard money loans, bridge loans, fix-and-flip financing, ground-up construction loans, and portfolio loans for real estate investors in all 50 states.

How fast can I get approved for funding?

Most approvals take 24-48 hours. We offer no hard credit pull pre-qualification and no upfront fees. Contact us at 954-787-4348 to get started.

Do I need perfect credit to qualify?

No. We work with borrowers across the credit spectrum. Many of our financing options including hard money and DSCR loans are asset-based, meaning the property or business revenue matters more than your personal credit score.

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies based on the property's rental income rather than your personal tax returns. It is ideal for real estate investors who want to finance rental properties.

What is Surge Financial?

A streamlined financial platform providing fast, transparent funding solutions and financing options designed to help businesses scale with ease and efficiency.

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

The terms are often used interchangeably, but bridge loans typically refer to larger, more structured transactions on stabilized or near-stabilized assets while hard money traditionally refers to asset-based financing for distressed or value-add properties. In practice the distinction depends on the program. Your advisor will identify which structure fits your specific deal.

Do I need to have the property under contract before applying?

Having the property under contract helps us give you specific terms, but you can start the conversation before going under contract to understand what leverage and terms to expect. This helps you structure your offer with confidence.

What exit strategies are acceptable?

The most common exit strategies are sale of the property upon completion of a repositioning, and refinance into permanent long-term financing once the property is stabilized. Construction completion followed by sale or refinance is also standard.

What are typical bridge loan rates?

Bridge loan pricing starts at 7% for well-qualified transactions on stabilized assets. Value-add and transitional deals are priced higher based on risk, LTV, and asset type. Your advisor will provide real terms based on your specific deal, not a generic rate sheet.

REAL ESTATE FINANCING SOLUTIONSBridge Loans for Acquisitions and Transitional Real Estate Deals

Bridge Loans for Acquisitions and Transitional Real Estate Deals

Short-term real estate financing from $75,000 to $20,000,000 designed around speed and flexibility. Underwritten on the property and your exit strategy, not your personal income. Close in as little as 5 to 15 business days.

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$75K to $20M+

Loan Amount

From 7%

Rates

Up to 80%

LTV

6 to 36 Months

Term

Overview

How Bridge Loans Work

A bridge loan is short-term real estate financing that provides capital during the period between a current need and a future event, typically a permanent financing placement or a property sale. Bridge loans are used to acquire investment properties quickly, finance value-add repositioning, cover transitional holding periods, and facilitate 1031 exchanges where timing is the critical variable.

Bridge loans are underwritten primarily on the property, the deal structure, and the borrower's exit strategy rather than personal income or employment history. This makes them substantially faster and more flexible than conventional financing, with closings as fast as 5 to 15 business days depending on deal complexity. Bridge loan programs available through Surge Financial range from $75,000 to $20,000,000 and beyond for larger transactions. Terms range from 6 to 36 months with interest-only payment structures standard during the bridge period. Rates start at 7% depending on the asset type, LTV, borrower experience, and exit strategy. Both residential investment and commercial properties are eligible on most programs.

At a Glance

Loan Amount$75K to $20M+

RatesStarting at 7%

Term6 to 36 months

LTVUp to 80% on qualifying transactions

Property TypesResidential investment, multifamily, and commercial

Interest StructureInterest-only standard during bridge period

Close SpeedAs fast as 5 to 15 business days

Process

How It Works

Step 1

Submit Your Deal

Share the property address, purchase price, intended use, and exit strategy. We evaluate the deal on its fundamentals. No standard loan application checklist required at this stage.

Step 2

Review Your Term Sheet

A term sheet outlining the loan amount, rate, LTV, and terms is typically issued within 24 to 48 hours of receiving a complete deal summary. You review the terms before committing to anything.

Step 3

Close and Execute

The loan closes and you execute your plan. Exit via sale or refinance into permanent long-term financing at the end of the bridge period. Extension options are available on most programs if additional time is needed.

Considerations

Pros and Cons

Pros

Closes in as little as 5 to 15 business days

Underwritten on the asset and exit strategy, no personal income required

Up to 80% LTV on qualifying transactions

Interest-only structure keeps carrying costs manageable during the bridge period

Available for residential investment, multifamily, and commercial property types

No prepayment penalty on most programs

Extension options available on most programs for deals that need additional runway

Cons

Higher rates than permanent financing, starting at 7% and ranging to 13%

Short-term structure requires a clear, executable exit strategy before funding

Origination fees of 1% to 3% typically apply at closing

Not suitable for owner-occupied properties on most programs

Full principal due at term end, exit must be executable on time

Eligibility

Do You Qualify?

These are general guidelines. Many situations fall outside standard criteria — contact us and we will tell you exactly what is possible.

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620+

Min Credit Score

Property

As Collateral

Clear

Exit Strategy

FAQ

Common Questions

Free Tool

Free Bridge Deal Analyzer

Enter your deal numbers and see max loan amount, carrying costs, and whether your exit strategy works.

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Related Guides

Guide

Bridge Loans in Real Estate: When and How to Use Them

Read the guide →

Have a Deal That Needs to Close Fast?

Bridge financing is built for situations where timing matters. Share your deal summary and we will identify whether a bridge structure makes sense and what your options look like.

Submit Your Deal →No upfront fees. No commitment required. Nationwide coverage.