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 amortised over the term.
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 at 2%
- $28,000
- Total cost of capital
- —
- Cash in at close
- $628,000
Enter a quoted rate to see the interest lines. Everything that does not depend on price is already calculated above.
Interest-only, as bridge debt normally is, so principal is repaid at exit rather than amortised. Excludes escrow, title, legal and lender fees. An estimate for planning, not an offer.
Get a real term sheetWhat the calculator is bounded by.
The ceilings above are this programme’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.
| 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| Rate | Set by a term sheet — we do not publish one |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 programme 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 places lender capital rather than setting the price, so we do not publish a rate, and a default number here would read as a quote we are not in a position to make.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. Modelling a bridge as amortising 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 purchase price and the loan, plus the points. The calculator shows both. Budget separately for escrow, title, legal and lender fees, which vary by transaction and are not included here. Loan sizes on this programme run $250K – $20M.
How long can a bridge loan run?
6 – 24 mo on this programme. 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 is the only thing that sets real numbers.