Bridge loans for when timing matters more than paperwork.
A bridge loan is short-term, flexible capital secured by investment real estate — used to close quickly on a purchase, pull cash out of a property you own, or carry an asset until a sale or long-term financing is in place. Starlit arranges bridge loans underwritten on the property, so they move fast.
Of purchase price on acquisitions
Funding for purchase or cash-out
No tax returns or personal DTI
Short terms sized to your exit
Built for the way investors actually work.
Buyers who need to close fast
Compete with cash offers on auction, off-market, and distressed purchases where a conventional loan can't keep up.
Owners who need liquidity
Cash-out against equity in an investment property to fund the next acquisition, a renovation, or a partner buyout.
Investors between transactions
Carry a property through a sale, a lease-up, or a refinance without forcing a decision on timing.
What we look at.
Asset-based means the deal carries the weight. Here's what goes into a decision — and what doesn't.
Start a requestThe property and its value
Bridge loans are asset-based: the collateral and its current value drive the loan amount.
Your equity
On a purchase, your down payment; on a cash-out, the equity already in the property.
Your exit
Sale, refinance, or another event that repays the loan — the clearer the exit, the better the terms.
You
A credit pull and a conversation. No tax returns, no personal debt-to-income calculation.
Bridge Loans we have closed.
Common questions.
What is a bridge loan?
A bridge loan is short-term financing secured by real estate that "bridges" the gap between a purchase or cash need and a longer-term event — usually a sale or a permanent refinance. Because it's underwritten on the property rather than personal income, it can close far faster than a conventional loan.
How much can I borrow?
On acquisitions, up to 90% of the purchase price. On cash-out loans, the amount depends on the property's value and existing debt.
How fast can a bridge loan fund?
Bridge loans are among the fastest financing available. With title and insurance in place, funding can happen in days rather than weeks.
Can I use a bridge loan on a property I already own?
Yes. Cash-out bridge loans let you access equity in an investment property without selling it or waiting on a conventional refinance.
What's the difference between a bridge loan and a fix and flip loan?
A fix and flip loan finances a renovation and releases funds in draws against the work. A bridge loan is simpler: it's based on the property as-is and is used for speed, liquidity, or timing rather than a construction budget.
Are bridge loans only for business purposes?
Yes. Starlit arranges business-purpose loans on investment property only — not loans for personal, family, or household use.
Where do you lend?
Starlit arranges bridge loans for investors in markets across the country. Recent bridge closings include Laguna Beach and Santa Rosa, California.
Not the right fit? See how the rest of our financing lines up.
Let's talk about your next project.
Tell us what you're buying, building, or refinancing. We'll come back with options — usually the same day.