Why Choose CALCAP for your next Bridge Loan?

A bridge loan provides short term financing to address an immediate need until long term financing is obtained, or the property is dispositioned. Terms will range from 12 months to 24 months with loans repayable in full at the end of the term.

  • Need an interest only loan
  • Looking to refinance an investment property
  • Seeking flexible, alternative short-term financing
  • Fast closing in order to compete with cash buyers
  • Financing for single asset or portfolio of properties
  • Acquiring or refinancing stabilized rental and vacation properties

Program Guidelines

Review our Bridge Loans guidelines below.







Interest Only

Payment Type

1/2/3/5 Years


$150K - $5MM

Loan Amounts

Purchase, Delayed Purchase, Refinance, Cash Out Refinance

Loan Purpose

Single Family, 2-4 Units, Condos, PUDs, Townhomes, Multifamily

Property Types



* All rates, terms, and guidelines subject to change.

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About CALCAP Lending

A division of CALCAP Advisors, CALCAP Lending benefits from the expertise of a seasoned team of professionals with extensive, successful track-records covering a variety of disciplines and leading large, nationally-recognized institutions. A private money direct lender, CALCAP Lending provides short to mid-term financing for property investors and businesses looking to purchase, refinance, renovate, and construct residential or commercial properties.

Lending FAQs

You've got questions, we've got answers.

What is private money lending?

Private money lending is a collateral-based lending strategy that is often associated with shorter terms and more attractive features. A private money loan offers more flexibility than a conventional mortgage or bank loan.

How does a private money loan work?

Private money lenders provide financing using money from private entities. Private money loans often work as bridges to help investors gather funds to achieve their short term real estate goals, but long term, permanent options may also provide.

Why would I choose a private money lender?

There are many advantages to using a private money lender for your real estate investments! Private money lenders can be more lenient when it comes to borrower credit issues, often there are no prepayment penalties, you can leverage your cash to buy multiple properties, and private money loans are quicker when compared with institutional loans.

Can I get prequalified for a loan?

CALCAP has a responsive loan team who are able to prequalify you. Contact a loan specialist at 833.816.5580 to get started.

How long does the lending process take?

Private money lending can be a quick and painless process. From start to finish, 30 days is common, however, turn around times can be as short as 10 business days.

Can I still be approved for a loan if I have bad credit?

Generally yes, we understand that people have temporary financial issues that come up, and we want to work with you to help you rise up financially to a better place. Offsets to credit concerns may include experience as a real estate investor, good cash reserves, and/or larger down payments.

I am a broker or investor, how can I work with CALCAP?

Business is built on relationships. Ours is no different. CALCAP Value and Preferred Partners receive exclusive rates and services. For more details and to submit your application, visit our partners page.

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