How is a bridge loan calculated?

Loan amount is the property's as-is value multiplied by the loan-to-value ratio, and this program runs to up to 75%. Because bridge debt is interest-only, the monthly cost is the loan balance times the annual rate divided by twelve, with the principal repaid at exit. Points are charged on the loan amount and paid at close, so the true cost of capital is the interest across the term plus those points.

What rate should I put in the calculator?

Use a rate you have actually been quoted. NexWin Capital Corp. places lender capital rather than setting the price, so we do not publish a rate, and a default number here would read as a quote we are not in a position to make. If you have no quote yet, run the fields that do not depend on price first — the loan amount, the points and the cash at close are all calculated without it.

Are bridge loans interest-only?

Normally, yes, and this calculator models them that way. A bridge is a transition instrument: you pay interest while the plan runs and repay principal from the exit, whether that exit is a sale or a refinance into permanent debt. Modeling a bridge as amortizing would understate the balloon you have to cover.

How much cash do I need at close on a bridge loan?

At minimum the gap between the as-is value and the loan, plus the points — the calculator shows both. On a purchase, budget for the gap against your purchase price instead, which will differ if you are buying below or above the as-is value. Budget separately for escrow, title, legal and lender fees, which vary by transaction and are not included here. Loan sizes on this program run $250K – $20M.

How long can a bridge loan run?

6 – 24 mo on this program. Shorter terms generally price better, because the lender is exposed to the transition for less time. The exit matters more than the term: a lender is underwriting how you get out, so a 12-month bridge with a credible refinance reads better than a 24-month one without a plan.

Is this calculator a loan offer?

No. It is arithmetic that runs in your browser and nothing is submitted when you use it. The figures are estimates for planning, and every deal is priced to the scenario. A term sheet from a lender NexWin Capital Corp. places you with is the only thing that sets real numbers.

Free tool · California bridge capital

Bridge loan calculator.

A bridge loan calculator sizes short-term real estate debt against the property's current value rather than a borrower's income. Enter the as-is value, the loan-to-value you expect, the quoted rate and the points, and it returns the loan amount, the interest-only monthly cost, the total cost of capital over the term, and the cash you need at close. Bridge debt is interest-only, so principal is repaid at exit rather than amortized over the term.

Property value (as-is)LTV (%)Program ceiling 75%Term (months)6–24 monthsInterest rate (%)A term sheet sets this — we do not publish a rate.Points (%)Also priced by the lender — enter what you were quoted.

Your bridge scenario

$1,400,000

loan at 70% LTV · ceiling $1,500,000 at 75%

Monthly interest (interest-only): —
Interest over 12 months: —
Points: —
Total cost of capital: —
Cash in at close (before points): $600,000

Enter the rate and points you were quoted to see the cost lines. The loan amount and the cash in at close above do not depend on pricing and are already calculated.

Interest-only, as bridge debt normally is, so principal is repaid at exit rather than amortized. Excludes escrow, title, legal and lender fees. An estimate for planning, not an offer.

Get a real term sheet

What the calculator is bounded by.

The ceilings above are this program’s published bounds, not generic ones. Enter a scenario outside them and the calculator says so rather than quietly returning a number nobody would fund.

Published bridge loan program bounds
Loan size	$250K – $20M
Term	6 – 24 mo
Maximum LTV	Up to 75%
Payment structure	Interest-only, principal at exit
Rate	Set by a term sheet — we do not publish one

Full terms and the documentation list are on the bridge loan page.

Bridge loan calculator questions, answered.

How is a bridge loan calculated?: Loan amount is the property's as-is value multiplied by the loan-to-value ratio, and this program runs to up to 75%. Because bridge debt is interest-only, the monthly cost is the loan balance times the annual rate divided by twelve, with the principal repaid at exit. Points are charged on the loan amount and paid at close, so the true cost of capital is the interest across the term plus those points.
What rate should I put in the calculator?: Use a rate you have actually been quoted. NexWin Capital Corp. places lender capital rather than setting the price, so we do not publish a rate, and a default number here would read as a quote we are not in a position to make. If you have no quote yet, run the fields that do not depend on price first — the loan amount, the points and the cash at close are all calculated without it.
Are bridge loans interest-only?: Normally, yes, and this calculator models them that way. A bridge is a transition instrument: you pay interest while the plan runs and repay principal from the exit, whether that exit is a sale or a refinance into permanent debt. Modeling a bridge as amortizing would understate the balloon you have to cover.
How much cash do I need at close on a bridge loan?: At minimum the gap between the as-is value and the loan, plus the points — the calculator shows both. On a purchase, budget for the gap against your purchase price instead, which will differ if you are buying below or above the as-is value. Budget separately for escrow, title, legal and lender fees, which vary by transaction and are not included here. Loan sizes on this program run $250K – $20M.
How long can a bridge loan run?: 6 – 24 mo on this program. Shorter terms generally price better, because the lender is exposed to the transition for less time. The exit matters more than the term: a lender is underwriting how you get out, so a 12-month bridge with a credible refinance reads better than a 24-month one without a plan.
Is this calculator a loan offer?: No. It is arithmetic that runs in your browser and nothing is submitted when you use it. The figures are estimates for planning, and every deal is priced to the scenario. A term sheet from a lender NexWin Capital Corp. places you with is the only thing that sets real numbers.

Got a bridge with a real deadline?

Send the scenario with the payoff date and the exit. A broker reads it against real lender appetite and comes back on fit, typically in 1-3+ business days.

Start a bridge scenario Call +1 (949) 844-5077

NexWin Capital Corp. is a licensed California mortgage broker. It arranges financing through third-party lending partners and does not lend, underwrite or set rates. Nothing here is an offer or a commitment to lend.