Bridge Loans & Private Money


In real estate, you sometimes need to move fast.  Securing quick and easy financing provides flexibility, allowing you to seize opportunities when they arise. When it comes to immediate funding needs, R&A Financial can help you quickly secure a temporary bridge or hard money loan. 


These types of financing are designed for Non-Stabilized Commercial Properties which are difficult to finance through conventional lenders.  Any property that is not fully leased and is being operated under 70% of all collected rents is an ideal candidate for the following financing solutions.

An Influx of Cash

Temporary Bridge Loans

A bridge loan is designed to provide an influx of cash to be used for a particular project. Let’s say that you want to expand your property or update it with some renovations. A bridge loan can get you the money necessary right away.  This financing typically carries a term of one  to three years during which only your interest is paid, not the principal.

Although you are going to be paying higher interest rates than a long-term loan, there are several reasons why this kind of lending is beneficial. First, it is FAST. You can get the money you need in only a few weeks, without a lengthy qualification process. Second, it can be CUSTOMIZED to your unique needs. We can help you structure the loan to ensure that you get the right amount while minimizing risk.

quick financing

Private & Hard Money

When dealing with traditional lenders, time is rarely on your side. Banks and other institutions can take a long time to process your loan, which can be terrible if you’re trying to take advantage of a time-sensitive opportunity.

Hard money loans are a perfect solution that comes from a private investor. Typically, these loans are short term and require borrowers to only repay the interest each month, with a balloon payment at the end.

At R&A Financial, we can help take the guesswork out of finding a hard money lender. In years past, unscrupulous people gave predatory loans, expecting to foreclose on properties. We have access to a wide array of trustworthy investors that can help you make the most of your investment.


Take Out Loans

At R&A Financial, we strive to provide flexible financing options that truly benefit our clients. As part of this process, each bridge or hard money loan we provide comes with a clear plan for a subsequent take out loan.

The value of bridge and hard money loans is that they allow you to move quickly. A take out loan, on the other hand, will have a slower underwriting process. But it offers a longer term and lower rates, making it a perfect next step in the financing process.

Here’s an example of utilizing both a bridge and take out loan. Let’s say that you borrow on a bridge loan to add a new unit to your property. The term of the loan is 15 months, but you finish construction in 11 months. At that point, you can get a take out loan, using the new property as collateral. Now you have longer to repay the balance (10-15 years), and you save on the interest. You seized the opportunity, improved the property, and still get the longer term and lower rates at the end.

explore your options

Whether you’re trying to expand your property, flip a new property, or invest in new renovations, it’s imperative that you get fast financing for your project.

R&A Financial makes it easy to get the money you need without having to put up as much risk. We understand the benefits and limitations of bridge and hard money loans, which is why we can consult you on the best course of action. Contact us today to find out more.

No obligation Quote

338 South Rosemead Blvd.
Pasadena, CA. 91107
(714) 782-7066