Bridge Loans
The Deal Won't Wait. Your Capital Shouldn't Either.
A bridge loan buys you the one thing banks can't sell: time. Close on the new property now, then refinance or sell on your schedule — not under pressure.
We bridge commercial and residential transactions across California, $100K to $5M, with exit strategies built around your actual plan.
Program Parameters
Bridge Loans
Short-term capital to bridge the gap between transactions. Ideal when you need to close quickly while arranging permanent financing.
When a Bridge Wins
Situations Where Timing Is Everything
Bridge capital exists for the gap between opportunity and permanent financing. Here's where it earns its keep.
Buy Before You Sell
The perfect property is available now, but your capital is tied up in one you haven't sold. We lend against the equity so you can secure the new asset without a fire-sale on the old one.
1031 Exchange Deadlines
You identified the replacement property but your 45/180-day clock is running and permanent financing is behind schedule. We close inside the window and keep your exchange — and its tax deferral — intact.
Maturing Loan Payoff
Your current note is maturing and the refinance isn't ready. A bridge pays off the maturing lender, stops default interest, and gives you room to finish permanent financing properly.
Value-Add Before Refinance
The property doesn't qualify for bank financing yet — vacancy is too high or the rent roll needs work. Bridge capital carries you through stabilization, then you refinance at the better basis.
Partnership Buyouts
A partner wants out, a divorce settlement requires a buyout, or an inheritance needs to be split. We lend against the property so one party can buy the other out cleanly — without forcing a sale.
Cross-Collateralized Acquisitions
Strong portfolio, but the target deal needs more leverage than one property supports. We can cross-collateralize multiple properties to get the full purchase funded in one close.
The CDF Difference
Why Borrowers Bridge With CDF
Commercial and residential — one lender for the whole portfolio
Flexible exit strategies: sale, refinance, or stabilization
Cross-collateralization available for larger acquisitions
Direct decisions from the people who fund the loan
How It Works
From First Call to Funded in 4 Steps
A streamlined process built to close in as few as 7 business days.
Apply
Submit your loan inquiry online or by phone. We respond within 24 hours with an initial assessment and preliminary terms.
Underwrite
Our team evaluates the property and deal structure. We order the appraisal, title, and complete our due diligence.
Approve
Receive your commitment letter and clear closing conditions. We work with your escrow and title to prepare for funding.
Fund
Sign documents and receive your funds. We close in as few as 7 days from completed application. Fast, simple, done.
Common Questions
Bridge Loan FAQs
What is a bridge loan and when does it make sense?
A bridge loan is short-term financing secured by real estate that 'bridges' the gap between a purchase and your permanent financing or sale. It makes sense whenever the opportunity moves faster than a bank: competitive purchases, 1031 deadlines, maturing debt, or a property that needs stabilizing before it qualifies for conventional financing.
How fast can a bridge loan close?
In as few as 7 days from completed application. As a direct lender we control the entire process — underwriting, appraisal, title, and escrow coordination all run in parallel.
What LTV and loan amounts are available?
Up to 70% loan-to-value, from $100K to $5M, on both commercial and residential property across California. Terms run 6 to 24 months with rates from 9.99%.
What exit strategies do you accept?
Sale of the property, refinance into permanent financing, or stabilization followed by either. We underwrite your actual plan — and pressure-test it with you up front, so the loan is built around a realistic exit.
Can I use a bridge loan for a 1031 exchange?
Yes. Bridge financing is one of the most common ways to close a replacement property inside the 180-day exchange window when permanent financing can't move fast enough. We coordinate with your exchange accommodator to keep the timeline intact.
Do you lend on owner-occupied homes?
Our loans are business-purpose loans secured by California real estate — investment property, commercial buildings, and business-purpose transactions. Call (626) 796-1680 and we'll tell you within one conversation whether your scenario fits.
Explore More
Related Loan Programs
Tell Us About Your Deal
One call gets you a straight answer and preliminary terms within 24 hours. If we can't do the deal, we'll tell you that too — fast.
All loans are business-purpose loans secured by California real estate. Rates, LTVs, and terms shown are program starting points — final terms are deal-specific. DRE# 01885595 | NMLS# 1159831