Key facts
- Bridge loans are short-term (often 6–18 months) and can close in 7–21 days [1].
- Typical bridge pricing: 8%–12% interest, 1–3 origination points, sometimes a 0.5%–1% exit fee [1].
- CR Equity AI bridge loans run $75K–$100M with a 10.99% rate floor and 1.50% origination [2].
- CR Equity AI underwrites the exit on day one and offers up to 36 months of stabilization with no new application [2].
What a bridge loan does
A bridge loan covers the gap between buying a property and either selling it or putting permanent financing in place. Terms commonly run 6 to 18 months, and closings can happen in 7 to 21 days [1]. Bridge loans usually fund properties in reasonable condition that need fast money; heavier rehabs more often use hard money [1].
Common uses
- Buying before the current property sells [1].
- Closing quickly on off-market deals [1].
- Funding a vacant property that DSCR lenders won’t touch until it has income, then refinancing after stabilization [1].
- Auction purchases that require payment within 24 to 48 hours [1].
What bridge loans cost
Industry ranges: 8%–12% interest, 1–3 origination points, an occasional 0.5%–1% exit fee, and usually interest-only payments with principal due at maturity [1]. LTV typically runs 65%–80%, lower for vacant or distressed property [1].
CR Equity AI bridge terms
| Term | CR Equity AI |
|---|---|
| Loan size | $75,000–$100,000,000 [2] |
| Rate | 10.99% floor [2] |
| Origination | 1.50% (2.00% optional expedited) [2] |
| Exit fee | 0.50% [2] |
| Other fees | $599 application, $999 AIVAA™, $999 technology, 0.25% annual servicing [2] |
| Leverage | 70%–95% by experience and credit [2] |
| Term | Up to 24 months + up to 36 months stabilization, no new application [2] |
| Speed | Terms ~5 min, decision ~4 hrs, typical close 9–15 days [2] |
CR Equity AI lends on multifamily, mixed-use, retail, industrial, storage, hospitality and non-owner-occupied single-family [2]. One recent example: a University Place, WA bridge loan on a three-parcel investment property.
The exit is the loan
Lenders scrutinize the exit more than anything else, and missing it is the biggest risk; matured, unpaid bridge loans can trigger default interest of 18%–24% [1]. Before you close, confirm the property will meet the take-out lender’s occupancy, condition and DSCR requirements, and negotiate extension terms up front [1]. CR Equity AI underwrites the exit — sale, refinance or stabilization — on day one [2].
Can you skip the bridge entirely? Sometimes. See DSCR loans that close as fast as bridge loans.
Frequently asked questions
How long is a bridge loan?
Typically 6 to 18 months. CR Equity AI’s bridge term runs up to 24 months, with up to 36 months of stabilization and no new application.
How much does a bridge loan cost?
Industry ranges are about 8%–12% interest plus 1–3 points. CR Equity AI publishes a 10.99% rate floor, 1.50% origination and a 0.50% exit fee.
What is the biggest risk of a bridge loan?
Failing to execute the exit on time. Confirm the refinance lender’s requirements or the sale timeline before closing.
Get real terms on your deal: quick quote · submit a deal to CR Equity AI · all programs · FAQ · Brokers: join the broker programRelated CR Equity AI insights
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Sources
CR Equity AI, Inc. · NMLS ID 2797309 · Business-purpose loans only; not available for owner-occupied residences. Rates, fees and leverage reflect terms published on crequity.ai as of October 2026 and may change. Timelines are typical, not guaranteed. AIVAA™ outputs are indicative and are not an appraisal, approval or commitment to lend. All terms are subject to underwriting and are set on the executed term sheet. See policies & guidelines.