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BRIDGE LOANS

Bridge the Gap. Move First & Fast.

  • Up to 85% of Purchase or 75% LTV Cash Out Refinance
  • 12 to 24 months Term With No Pre-Payment Penalty
  • Automated Pre-Approval
  • Transparent Rates & Fees
  • Fast Loan Closings (< 2 Weeks)
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Transaction Bridge Loans

Loan Terms At A Glance

85%
Financed Purchase Price (LTC)
77.5%
Refinance
$75K-5M+
Loan Sizer
12 - 24
Month Term
1.5%
Origination Fee
8.99%
Rate Starting At

Why Investors Choose Swell?

Swell was founded by real estate investors to deliver solutions built for active, full-time investors like us.

What began as a small private lending business funded with our own capital has grown into a nationwide real estate debt platform backed by both private investors and institutional capital partners.

We also provide our clients access to affiliated real estate services and discounted partner solutions, so you can keep more of your investing resources in one place, including real estate technology, insurance, tax strategy and accounting, 1031 exchange custody, and off-market property exchange.

 

Simplified Pre-Approval

Many sellers and listing agents find comfort that you have been pre-approved as a qualified buyer. Our automated Pre-Approval allows you to self-qualify by completing a  online form (takes < 1 minute) letting us know your FICO, Experience Level, and Liquidity.

You receive a pre-approval letter in your inbox instantly. 

Get Pre-Approved

Instant Access to Loan Terms

Get instant clarity on your deal. Our platform gives you real-time access to loan terms without needing to complete a full loan application. No pressure, and no need to speak with a loan officer.

Just clear numbers, upfront. Want to speak to a financing expert? We are available via phone or text.

Request A Loan

Borrower-Driven, Tech Forward

Our platform puts you in control. Move through the application process on your schedule, without unnecessary back-and-forth. It’s designed to help you move faster and make the most of your time.

Plus, our integrated draw process keeps everything organized and supports fast construction draws.

Designed for Repeat Clients

As a repeat client, your next loan requires very limited documentation, typically just a bank statement, the purchase contract and detailed budget. Our team knows your preferred title and insurance agent and gets your next loan done on auto-pilot. 

Many investors move straight into their next deal, relying on Swell as a trusted capital partner to help grow their portfolio.

 

Is a Bridge Loan a Good Fit for You?

Bridge loans are designed to help real estate investors move decisively in competitive markets. From acquisitions to refinances, we provide the speed and flexibility that lets you act before opportunities disappear.

We offer competitive bridge loan interest rates so you can maximize your leverage without sacrificing returns. Our focus is on keeping projects moving and capital working for you.

 

Who This Loan Is For?

  • Investors buying a property before selling another.
  • Investors that need to stabilize an asset before refinancing, allowing them to make improvements that increase rental income and property value before securing long-term financing.
  • Investors with a Flip or New Development that need more time to sell or refinance into permanent financing, but their construction or hard money loan is maturing.

Loans Designed For Investors

  • New Purchase -> Keep your cash by using bridge loans that lower your capital outlay.
  • Delayed Purchase Refinance -> If you’ve used your own capital to acquire a property, our investment property financing allows you to restore your cash position within 6 months of purchase.
  • Refinance -> Our Bridge loan can give you the extra time to sell or refinance and our cash out option lets you access locked up equity.

Frequently Asked Questions

What loan terms and leverage does Swell offer for bridge loans?

Our bridge loans offer high leverage—up to 85% of purchase price (LTC) or 77.5% value (LTV) for cash out refinances. 

Which property types qualify for Swell's bridge loans?

A wide range of properties, including single-family homes, condos, 2-4 unit properties, PUDs, and more. We also provide loans on 5+ unit apartments - more info is available on our multifamily page. 

Do I need prior experience to get a bridge loan from Swell?

No. If you have 680+ FICO and the property is non-owner occupied we can provide a bridge loan. 

What are the fees for Swell's bridge loans?

At Swell, transparency comes first. Our fix-and-flip loans feature competitive fees, no prepayment penalties, and no hidden exit points, helping you protect your ROI and keep your project on track.

  • Valuation Fee: Pass Through (if applicable)

  • Origination Fee: 1.5% of Loan Amount

  • Processing & Underwriting Fee: $1,000 per property

  • Title & Legal Closing Fees: Pass Through

Have a question we didn't answer?

Shoot us an email and our team will reply and is happy to schedule a intro call. 

Where We Lend.

Active
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Ready to Bridge Your Next Deal?

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