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.
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.
The long read
Behind the bridge number.
01
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.
The purchase has a deadline the permanent financing cannot hit, so the bridge closes it and the refinance repays the bridge when it lands. Model it with the purchase price as the value, the leverage the deal needs, and a term long enough to cover the refinance timeline you actually expect.
02
Paying off a maturing loan
A loan on an investment property is coming due before the sale or long-term financing is ready. The bridge repays it and buys the runway. Model it with the property’s as-is value and the payoff you need to clear; the loan figure against the program ceiling shows whether the leverage reaches it.
03
Value-add stabilization
The property needs work or lease-up before it qualifies for permanent debt. The bridge carries it through the transition, and the exit is the refinance at stabilization. Model the term against the stabilization schedule, not the best case — the extension conversation is cheaper at term-sheet stage.
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.
What happens if my bridge exit slips past the term?
In one payment. The term is interest-only, so the principal is due as a balloon when the exit lands — the sale closes or the refinance funds. If the exit slips, the usual path is an extension negotiated with the lender, priced on the term sheet; and lenders price patience on paper, not by waiting. The calculator's term input is there so you can price the hold you actually expect, not the one you hope for.
How much equity do I need for a bridge loan?
The gap between the loan and the property's value. The bridge program NexWin Capital Corp. arranges is published at up to 75%, so the equity left in the property after the loan is the remainder — the calculator shows the loan at your chosen LTV beside the loan at the program ceiling, which is the same arithmetic from both ends. Lenders fund against equity that is already real, not equity the plan hopes to create.
What fees come with a bridge loan besides points?
Typically the same closing stack any secured real estate loan carries: third-party items like title, escrow, appraisal and legal, plus any lender processing fees — all priced by the providers and the term sheet, which is why this calculator leaves them out rather than guessing line items — the results panel says exactly what its figures exclude, and the term sheet is the document that makes the list exact.
Is a bridge loan better than a HELOC for an investor?
They are different tools. A HELOC is a consumer credit line against a home you already own, underwritten on personal income and credit; a bridge loan is business-purpose capital sized on the investment property and its exit. For an investment deal on a deadline, the bridge exists precisely because a bank line's timeline and underwriting do not fit. The comparison table on our bridge loan explainer sets the two side by side.
Is a bridging loan calculator the same as a bridge loan calculator?
Yes — "bridging loan" is the British term and "bridge loan" the American one for the same idea: short-term capital secured on property, repaid by a sale or a refinance rather than out of income. The arithmetic here works either way. One difference in vocabulary is worth knowing: UK lending splits bridging into "closed" (the exit is already contracted) and "open" (it is not yet). US lenders rarely use those words, but they price the same distinction, because a bridge with a signed exit and a bridge with an intended one are not the same risk. This calculator is written for California business-purpose deals, so the terms it defaults to are US ones.
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.
Bridge loan, hard money loan and HELOC compared on structure
Bridge loan
Hard money loan
HELOC
Collateral basis
The property's as-is value
The property; on rehab, its after-repair value
Equity in a home you already own
Payment structure
Interest-only, principal at exit
Interest-only, principal at exit
Draws, then amortizing payoff
Term shape
Months, sized to the exit
Months, sized to the plan
Years, lender-dependent
Best use
A deadline or a payoff before permanent financing
Asset-based deals a bank will not time
Ongoing consumer credit against your home
Structure only — every price term comes from a term sheet. The full comparison, including the regulatory frame, sits on the bridge loan explainer. To price the capital itself across the whole term rather than compare structures, use the hard money loan calculator.
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.
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. The financing these tools model is business-purpose credit on investment property, not consumer credit. Nothing here is an offer or a commitment to lend.
