What You Can Pay Off
Consolidate debt, fund operations, and invest in growth — all with one loan.
Business Credit Cards
Consolidate high-interest revolving debt into one manageable payment.
Existing Business Loans
Refinance existing term loans or lines of credit at better terms.
Merchant Cash Advances
Escape daily/weekly MCA payments with structured financing.
Inventory & Supplies
Fund bulk purchasing and seasonal inventory needs.
Marketing & Growth
Invest in advertising, campaigns, and customer acquisition.
Operational Costs
Cover payroll, rent, utilities, and day-to-day expenses.
Built for Second Chances
Designed for business owners who need capital based on equity, not credit scores.
No Minimum FICO
We don't have a minimum credit score requirement. Approval is based on your real estate equity and business potential.
Accepts Prior Bankruptcies
Past bankruptcies, defaults, NSFs, and past-due mortgages are all accepted. Your history doesn't define your future.
1st & 2nd Lien Positions
Flexible lien positioning — whether you need a first mortgage or a subordinate position behind existing debt.
All Property Types
Residential, commercial, industrial, and land. If it has value, it can work as collateral.
Property Types & LTV Limits
LTV ratios vary by property type and lien position.
Residential
Commercial
Industrial
Land
Who Qualifies
We look at your equity and business, not just your credit.
The 3:1 Rule
When taking a second lien position, a 3:1 senior-debt-to-loan ratio applies.
Formula: Senior Mortgage Balance ÷ Proposed Loan ≤ 3.0
| Loan Amount | Senior Debt | Ratio | Result |
|---|---|---|---|
| $100,000 | $250,000 | 2.5:1 | Approved |
| $200,000 | $500,000 | 2.5:1 | Approved |
| $300,000 | $900,000 | 3.0:1 | Approved |
| $300,000 | $1,000,000 | 3.3:1 | Declined |
Important: The ratio must be met at the offered loan amount. Borrowers cannot reduce the loan amount to meet the ratio — the deal is evaluated as offered.
State Eligibility
Available in most continental U.S. states with some restrictions.
Commercial/industrial may be reviewed case-by-case.
Common Questions About Bridge Loans
Rates shown are examples for qualified borrowers. Actual rates depend on credit profile, business financials, time in business, and product type. All financing subject to approval.