Short-term · Transition capital
← All programsBridge loans in California, explained.
A bridge loan is short-term real estate financing that bridges a purchase or repositioning to its planned sale or refinance, arranged through NexWin's lending partners.
- Loan size
- $250K – $20M
- Term
- 6 – 24 mo
- LTV max
- Up to 75%
- Close
- ~14 business days *
What are bridge loan terms?
Bridge financing arranged by NexWin Capital Corp. through its lending partners: Bridge capital up to 75% LTV, a typical ~14-business-day close for qualified, complete files.
- Loan size
- $250K – $20M
- Term
- 6 – 24 mo
- LTV max
- Up to 75%
- Close
- ~14 business days *
* Typical for qualified scenarios with a complete file. Ranges are indicative, not an offer or commitment to lend.
- Run the bridge loan calculator to price a scenario against these bounds.
- What is a bridge loan explains the loan type itself before the terms.
- This is a residential transition loan, the category this program sits inside.
- The private lenders behind bridge capital — who puts up the capital, and how a broker places a file with one.
A bridge loan fills the gap between where you are today and where the permanent financing picks up.
Bridge capital is short-term, usually 6 to 24 months, designed to let you move fast on an acquisition, reposition an asset, or carry a property while you line up long-term debt or an exit.
It's priced higher than a 30-year loan because it's shorter and assumes transition risk. In exchange, you get speed, flexibility, and structures that can handle value-add business plans.
NexWin Capital Corp. sources bridge capital from California bridge lenders who understand real estate transitions, not just box-checkers. We help you structure the exit into the deal so the bridge actually bridges.
An honest comparison
Bank line of credit or private bridge loan?
Both cover the gap between moves. The difference is whether the capital exists before the deadline does.
Cheapest capital, when it's already in place.
- The lowest-cost gap funding if the line was approved before you needed it.
- HELOCs put owner-occupied equity to work on flexible terms.
- No urgency premium when your timeline can absorb bank approval.
- Revolving structure suits repeat, predictable needs.
Speed between moves, secured by the asset.
- Underwritten collateral-first, the equity does the talking.
- Sized and closed inside a purchase or payoff deadline.
- Interest-only structure keeps the carry manageable while you execute.
- Short by design: priced for months of use, not decades.
Honest answer: an existing line you can draw tomorrow beats any bridge loan. If the equity is real but the credit line isn't there yet, and the deadline is, that's what a bridge is for. Tell us the dates and we'll tell you if the math works.
The numbers, without the jargon.
Loan amount as a percentage of the property's current as-is value. Bridge LTV is lower than permanent debt because of the shorter term.
$2M property at 70% LTV = up to $1.4M bridge loan.
How long the bridge is in place before you exit. Shorter terms price better, a 12-month bridge usually beats a 24-month one on rate.
How the bridge gets paid off. Lenders require a clear exit up front, sale, refinance to permanent, stabilization, or portfolio refi.
Most bridges are interest-only, you don't amortize principal during the term. Keeps carry low while you execute the plan.
Some bridges have minimum interest periods (e.g. 3-month lockout) before you can pay off without a fee. Worth knowing up front.
The right to extend the term, usually 6 months, for a fee. Useful insurance if your exit slips.
Another name for a bridge loan, used most often on residential deals. It describes the same thing: short-term capital secured by the property that carries you from one position to the next.
An investor buying the next property before the current one sells is asking for a swing loan, whether or not they use the word.
Glossary pageSwing loan
The informal name for the residential transition loan category — the purchase-and-rehab loan, the bridge, and ground-up construction. It is also used descriptively, for a property between states: mid-lease-up, mid-repositioning, or not yet stabilized.
A partially leased building that a bank will not finance until occupancy stabilizes is a transitional deal.
Glossary pageTransitional loan
The one-page summary of a proposed deal: amount, rate, term, fees, and the conditions attached. It is a proposal rather than a commitment, and the conditions are the part worth reading twice.
Six numbers usually decide a bridge term sheet: loan amount, rate, points, term, extension terms, and prepay.
A short span needs a clear landing.
Selected: LTV · Loan-to-Value
Conceptual sequence — the exit remains part of the structure from day one.
The process
How a deal moves through NexWin Capital Corp.
6 structured steps
YouPrequalify
Submit the scenario, property, business plan, exit, and timing. We confirm fit fast.
YouDocument pack
Upload operating statements, rent roll, purchase contract or refi payoff, and entity docs.
NexWin Capital Corp.Lender placement
We route to bridge lenders whose speed, structure, and pricing fit the scenario.
LenderTerm sheet
Receive term sheets. Compare rate, fees, prepay, and extension options side by side.
LenderClose
Appraisal, title, insurance. For qualified scenarios with a complete file, ~14 business days is the typical close, sometimes faster, sometimes slower depending on title and appraisal.
YouExecute plan
Interest-only payments during the term. Exit via sale, refi, or stabilization.
Representative deal
What a typical OC / LA bridge looks like through NexWin Capital Corp.
Representative numbers from a real Orange County / Los Angeles market scenario. Actual terms vary by lender appetite, asset quality, sponsor experience, and exit strength.
Deal snapshot
- Property
- 8-unit multifamily, Long Beach, value-add with stabilization runway
- Current value (as-is)
- $3,200,000
- Bridge loan amount
- $2,240,000 (~70% LTV)
Complete deal details
- Property
- 8-unit multifamily, Long Beach, value-add with stabilization runway
- Current value (as-is)
- $3,200,000
- Bridge loan amount
- $2,240,000 (~70% LTV)
- Term
- 18 months, interest-only, with 6-month extension option
- Business plan
- Renovate 6 units, raise rents to market, refi once stabilized
- Exit
- DSCR-based refinance once stabilized at target NOI
- Time to close
- ~14 business days from complete file (for qualified scenarios)
What we'll need
Documents, per program.
NexWin Capital Corp. forwards your package to the lender. The sharper your file, the tighter your pricing. Upload these when you apply, or bring them to the call.
Required
Supporting (if applicable)
Why NexWin Capital Corp.
Speed, structure, rate, execution, certainty.
Five things you should be able to expect from a broker on this loan. Rewritten for how bridge deals actually work.
SpeedFast initial read
Bridge is speed. For qualified scenarios with a complete file, ~14 business days is the typical close, we just won't quote a date until we've reviewed the scenario.
StructureBuilt around the deal
We size the bridge against your actual plan: rehab, stabilization, consolidation, or a clear refinance exit.
Competitive RateCompetitive pricing
Lender-shopping on bridge is worth it, rate, points, and prepay vary widely. We do that shopping for you.
Getting it DoneGetting it done
Direct coordination with title, appraisal, and counsel. You don't chase anyone, we chase everyone.
CertaintyClarity up front
You know the exit before you sign the term sheet. No surprises 11 months in.
Common questions.
What is a bridge loan?
A bridge loan (sometimes called a swing loan) is short-term real estate financing, usually 6 to 24 months, that covers the gap between buying or repositioning a property and the sale or permanent financing that pays it off. It is secured by the property and underwritten around equity and a clear exit.
How fast can we really close?
We can't promise a specific date until your scenario is qualified. For qualified scenarios with a complete file and a cooperative title/appraisal market, ~14 business days is the typical close.
What happens if my exit slips?
Most bridges have a 6-month extension option for a fee, which the lender prices in points. We structure that into the term sheet up front, so the cost is known before you sign rather than negotiated when the clock is running.
Is bridge more expensive than a conventional loan?
Yes, rate and fees are higher because the term is short and the risk profile assumes transition. The right question is whether the deal economics support the carry.
What can a bridge loan be used for?
Buying the next property before the current one sells, closing inside a deadline a bank can't hit, or carrying a property between phases while the long-term financing lines up. If the equity is real and the exit is credible, it's a bridge scenario.
How does a bridge loan work, and how is it repaid?
Payments are interest-only during the term, with the balance repaid at the exit, the sale or the refinance. That's why the exit strategy is the first thing our lending partners underwrite, not the last.
Still have questions? Send us the scenario, we'll give you an honest read on fit typically in 1-3+ business days.
The terms hold statewide. The permit counter does not.
What changes by city is who reviews the plans, how long that review takes, and where the paperwork records. These pages cover the local process.
- Los Angeles bridge loans
- San Fernando Valley bridge loans
- Imperial Beach bridge loans
- Irvine bridge loans
- Costa Mesa bridge loans
- Huntington Beach bridge loans
- Newport Beach bridge loans
Poway, Santa Ana, Anaheim, Los Angeles, San Diego, Imperial Beach, Irvine, San Fernando Valley
Different scenario?
More on bridge capital, from the field.
Check our claims against the primary source.
Bridge financing here is business-purpose credit. The rules that govern it, and the government-backed programs worth comparing before you commit, are published. These links go to the official pages, not summaries of them.
Our notes are plain-language explanations, not legal or tax advice. For your situation, talk to your own counsel or tax professional.
- Consumer Financial Protection BureauRegulation X §1024.5, coverage of RESPA (opens in a new tab)
Bridge and swing loans are expressly excluded from RESPA coverage, as is credit primarily for business, commercial, or agricultural purposes.
Reviewed Jul 2026 - Consumer Financial Protection BureauRegulation Z §1026.3, exempt transactions (opens in a new tab)
Credit extended primarily for a business or commercial purpose is exempt from Regulation Z (Truth in Lending), the consumer-mortgage disclosure regime does not generally apply to business-purpose loans like these.
Reviewed Jul 2026 - California Department of Financial Protection and InnovationCalifornia Financing Law (finance lenders & brokers) (opens in a new tab)
Finance lenders and brokers operating in California are licensed under the California Financing Law, administered by the DFPI, the regime NexWin Capital Corp.'s CFL license (60DBO-211586) is issued under.
Reviewed Aug 2026 - Nationwide Multistate Licensing SystemNMLS Consumer Access. NexWin Capital Corp. (ID 2743839) (opens in a new tab)
Look us up yourself: NMLS Consumer Access is the public registry where you can verify NexWin Capital Corp.'s record under NMLS ID 2743839.
Reviewed Jul 2026
Tell us about the deal.
We’ll help determine whether it fits.
A short prequalification to see if your scenario may be a fit. No commitment, just a clear read.
NexWin Capital Corp. is the licensed broker, not the lender, we package and place your file.
Your first read is a manual review by a person, nothing is auto-decisioned.
Your file goes to lenders only at placement, after documents are prepped and you’ve agreed on direction.
Fee and compensation disclosures live on the disclosures page.