Bridge Loans

Bridge the financing gap with fast short-term funding

Perfect for real estate investors who need to move fast, our loans help you outbid competition and maximize returns with high leverage up to 95% LTC / 80% ARV.

Get Pre-qualified Online
Real Estate Investors working on a house flip
About Bridge Loans

Bridge Loans Built for Speed

Skip the bank delays and paperwork—no pay stubs, W-2s, or third-party appraisals required. Our digital platform and in-house servicing team deliver fast approvals and personalized pricing to help you move quickly on your next deal.

Accelerate

Quick closing

Close in as few as 7 business days to compete with cash buyers

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Personalized approach

Fast approvals and pricing that prioritize the property's potential

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High leverage

No need to drain your own funds. We offer up to 95% LTC / 80% ARV

A fix-and-flip renovation project in progress
A fix-and-flip real estate investor reviewing project plans on a tablet
Rates & Terms

Bridge Loan Rates + Terms

Kiavi calculates financing terms based on the property—not just the borrower—so you can move forward with confidence.

See Your Rate
Rates as low as 7.75%*
interest only
Loans from $100K to $3MM
money
Up to 95% of purchase price
cash
Up to 80% of after-repair value
fix-flip
12, 18 + 24 month terms with interest-only options
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100% of rehab cost
interest only
  • No Application Fee
  • No Appraisal
  • No Income Verification
Technology

Streamline your real estate strategy with tech-powered financing

Our technology, powered by billions of data points from over 100,000 projects, provides fast and accurate pricing tailored to your project.

Quick closing

Our digital platform automates the manual tasks you get with traditional lenders and guides you through each phase of your project to close in as fast as a few days, not weeks.

Easy digital platform

We use real-time data and machine learning to streamline approvals — so you can move fast, compete with cash buyers, and close with confidence.

Streamlined decisioning

Forget long waits for 3rd party appraisals. Kiavi's in-house valuation and servicing team fast-tracks you to the closing table, outpacing traditional banks and lenders.

Personalized pricing

Our innovative approach assesses over 20 unique factors about each property - including square footage, location, and market dynamics - to provide financing solutions that are as unique as your investment.

A fix-and-flip property with an updated patio at twilight
Estimated ARV $450,000
Interest Rate 7.75%
Cash to Close $45,650
New Tool

Get a fast financing estimate

Stop guessing. Kiavi's proven ARV model—trusted on tens of thousands of deals—helps you quickly estimate financing for your next fix-and-flip project. Enter a few key details like property address and rehab scope to unlock estimates for:

  • After Repair Value (ARV)
  • Cash to Close
  • Interest Rate
  • Comparable Valuations
Get Estimate

Bridge loans tailored for your real estate strategy

Get tailored financing that supports three types of transactions on non-owner occupied properties, including single-family residences, manufactured homes, 2-4 units, condos, and PUDs.

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New purchase

Get the funds for both purchasing properties and up to 100% of the rehab costs. Our quick closing capabilities let you compete effectively in a market dominated by cash offers.

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Refinancing for flexibility

Leverage your assets with the option to refinance within six months. Kiavi empowers you to maintain liquidity and leverage for continuous investment.

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Seasoned real estate financing options

If you've held a property for more than six months, our bridge loans can provide the extra financial support needed to achieve your real estate investment goals successfully.

Frequently Asked Questions

Get answers to your bridge loan questions

Everything you need to know about bridge loans, simplified. Curious about associated fees with Kiavi's loans, or what properties are eligble for a Kiavi bridge loan? We’ve got the answers to these questions and more to help you navigate your next real estate investment with confidence.

Tired of traditional bank hurdles and restrictive financing? Kiavi's bridge loans offer high leverage and 100% rehab costs, fueling your property purchases and renovations effectively. Your FICO®️ score property exit experience and the property’s after-repair value play a key role in determining your leverage, empowering you to invest boldly and with greater financial freedom.

Kiavi prides itself on transparency with fees, ensuring no hidden surprises affect your ROI. For instance, unlike some other lenders, we don't impose prepayment penalties or exit points. Our team is here to guide you, helping you balance upfront costs with leverage to support your project's success. Always review the terms for a clear financial picture.

Kiavi's bridge loans provide premium service with a dedicated team of financing professionals, ensuring fast approvals and even faster processing for repeat borrowers. For more information, check out our guide, Working with Kiavi: The Bridge Loan Process - From Start to Close.

Loan terms offer maximum leverage of up to 95% loan-to-cost (LTC) of the purchase price and up to 80% ARV. Kiavi finances 100% of rehab costs, with loan amounts ranging from $100,000 to $1,000,000. We offer competitive rates and a standard fee that includes processing and third-party fees. There's no application fee.

Eligible properties include single-family residences, 2-4 units, condos, PUDs, and manufactured homes.
Reviews

See why 17,000+ real estate investors trust Kiavi

From first-time flippers to seasoned pros, Kiavi offers bridge loans with the support, expertise, and capital you need to simplify real estate investing.

"[...] I have worked with a few other bridge loan lenders and none of them can match the customer service or ease of use that Kiavi provides as well as an investor friendly product."
Devin K.
11/23/23 via Google
"Kiavi have been an awesome partner in helping me achieve my Real Estate investment dreams. I have worked with other companies but they completely standout in professionalism, timeliness and flexible rates options."
Oracle F.
12/01/24 via Trustpilot
"They are great. I've done over 80 flips using them. Fastest to close and fund of any hard money lender I've used so far."
r/realestateinvesting
06/25/23 via Reddit
"I got quotes from five lenders and Kiavi's LTC and LTV were by far the best allowing me to close with the least amount of money down. The team was friendly and helpful; also patient! The seller took a long time finally getting to the closing table. It was a fast and efficient process from Kiavi's side."
KKB
11/26/24 via Trustpilot
Free Resources

Kickstart your bridge loan financing

Have questions about fix-and-flip loans or growing your real estate investment strategy? We offer resources to help you stay informed and make confident decisions.

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Transform your house-flipping projects

Unlock our flexible loan options, fast online platform, and experienced support for your next deal. Partner with Kiavi to make your flipping journey a success story, backed by thousands of successful projects nationwide.

See Your Personalized Rate