Business-purpose loan program
Bridge Loans for New Jersey Investors
A bridge loan is short-term financing that gets you from today's property to tomorrow's. Use it to close quickly, renovate or lease up, and then sell or refinance into a long-term loan.
When a bridge loan fits
You need to close before a bank can. The property is vacant or under-rented. You're buying at auction or from an estate. You're repositioning a building that doesn't qualify for long-term financing yet. Or you need to free up equity before a refinance.
Property types
1–4 unit residential, multifamily, mixed-use and some light commercial investment property. Larger multifamily and mixed-use bridge loans are covered on our multifamily and mixed-use pages.
The exit matters most
Every bridge loan needs a clear exit: a sale, a DSCR or agency refinance, or a permanent commercial loan. We look at the business plan, the as-is and stabilized value, and how realistic the timeline is.
Program terms
We publish only confirmed terms. Pricing depends on your credit, experience, leverage and the property, so ask a loan officer for current terms.
| Term | [CONFIRM: Bridge term] |
|---|---|
| Maximum LTV / LTC | [CONFIRM: Bridge max LTV/LTC] |
| Loan amount range | [CONFIRM: Bridge min/max loan amount] |
| Minimum credit score | [CONFIRM: Bridge minimum FICO] |
| Closing timeline | [CONFIRM: Bridge typical days to close] |
| Prepayment | [CONFIRM: Bridge prepayment terms] |
What you'll need
- Purchase contract or payoff letter
- Business plan and exit strategy
- Rent roll and leases, if any
- Renovation budget, if any
- Bank statements
- LLC documents and W-9
- Government ID for each guarantor
New Jersey notes
Ask the lender how extensions work, what they cost and when they're allowed, because New Jersey approvals, inspections and certificates of occupancy can push a timeline. If the exit is a DSCR refinance, confirm seasoning requirements before you close the bridge loan.
For more detail, read our guide: Fix and Flip Loans in New Jersey: LTC, ARV and Draws Explained.
Bridge Loans across New Jersey
We make bridge loans in all 21 counties. Choose a county to see local considerations.
- Bridge loans in Atlantic County
- Bridge loans in Bergen County
- Bridge loans in Burlington County
- Bridge loans in Camden County
- Bridge loans in Cape May County
- Bridge loans in Cumberland County
- Bridge loans in Essex County
- Bridge loans in Gloucester County
- Bridge loans in Hudson County
- Bridge loans in Hunterdon County
- Bridge loans in Mercer County
- Bridge loans in Middlesex County
- Bridge loans in Monmouth County
- Bridge loans in Morris County
- Bridge loans in Ocean County
- Bridge loans in Passaic County
- Bridge loans in Salem County
- Bridge loans in Somerset County
- Bridge loans in Sussex County
- Bridge loans in Union County
- Bridge loans in Warren County
Local markets
Bridge Loans: frequently asked questions
What's the difference between a bridge loan and a DSCR loan?
A bridge loan is short-term, usually interest-only, and sized on the property's value and your plan. A DSCR loan is long-term and sized on stabilized rent. Many investors use a bridge loan first and refinance into a DSCR loan.
How fast can a bridge loan close?
It depends on the appraisal, title and how quickly you send documents. [CONFIRM: Bridge typical days to close]
Can I get a bridge loan on a vacant property?
Yes. Vacant and under-rented properties are a common bridge use, as long as the business plan and exit are realistic.
Are bridge loans available to first-time investors?
Sometimes, with lower leverage. Experience, liquidity and the strength of the deal all matter.
Is there a personal guarantee?
Most business-purpose bridge loans to an LLC require a personal guarantee from the principal members.
Other loan programs
DSCR Rental Loans
30-year rental loans for purchases and refinances that qualify on the property's rent instead of your personal income.
Learn more →Fix & Flip Loans
Short-term purchase and rehab loans for 1–4 unit investment properties, with renovation money released in draws.
Learn more →Multifamily Loans
Acquisition, value-add bridge and construction financing for 5+ unit apartment buildings.
Learn more →Mixed-Use Loans
DSCR and bridge financing for buildings with apartments over stores or offices.
Learn more →Construction Loans
Non-bank financing for land, site work and vertical construction, funded in draws.
Learn more →LLC Loans
Every Lendiqo program is built for investors who buy and hold in an LLC.
Learn more →Ready to talk about a deal?
Send the basics on a property and a loan officer will follow up. You'll hear back from a person, not a call center.