Private Money Bridge Loans That Close Fast

Direct access to private lenders when banks can’t deliver.

What Is a Private Money Bridge Loan?

A private money bridge loan is short-term financing funded by private individuals or non-institutional investors. Instead of going through a bank with rigid underwriting rules, borrowers access private capital that prioritizes speed, flexibility, and asset value over paperwork.

Private money bridge loans are ideal when a deal doesn’t fit traditional boxes — maybe the property is in transition, the borrower needs to close in days, or unique circumstances make a bank loan impossible.

At Nelson Funding, we maintain relationships with trusted private lenders nationwide who are ready to fund commercial real estate deals quickly, giving investors the capital they need when timing is critical.

Why Choose Private Money Bridge Loans?

Not every project can wait for traditional financing. Common scenarios where commercial bridge loans make sense include:

Speed to Close
Traditional lenders can take months. Private lenders can move in as little as 5–14 days.
Flexible Underwriting
Private lenders look at the property and the exit strategy more than credit scores or tax returns.
Unique Deals Welcome
Transitional, value-add, or unconventional properties often get overlooked by banks. Private money fills that gap.
Short-Term Capital Solutions
Bridge the gap until permanent financing or a sale is ready.

Common Use Cases

Every deal is unique, but here are common features of Nelson Funding’s commercial bridge loans:

Acquisitions with Tight Deadlines
Competitive markets require immediate action. Private money ensures buyers don’t lose out.
Fix-and-Flip or Value-Add Projects
Properties needing rehab, repositioning, or stabilization can be funded with private money bridge loans.
Borrowers With Non-Traditional Credit
Entrepreneurs and investors who don’t fit bank requirements still deserve fast financing.
Unique Collateral Situations
Land, mixed-use properties, or assets banks avoid can still qualify for private funding.

Loan Highlights

Private Money vs. Other Financing Options

vs. Bank Loans

Banks require full documentation, high credit scores, and stabilized assets. Private money lenders are focused on asset value and deal potential, making them far faster and more flexible.

vs. Hard Money Loans

The terms often overlap, but private money loans can sometimes mean more personalized terms, smaller lender groups, or niche deals. Hard money is typically more institutionalized, while private money is often direct investor capital.

vs. Traditional Bridge Loans

A traditional bridge loan may come from an institutional lender, with more oversight and sometimes lower rates. Private money is usually faster but can carry slightly higher costs — the tradeoff for speed and flexibility.

Example Scenario

Borrower Profile

Small business owner in Phoenix, AZ

Deal

Purchase of a vacant retail property to convert into a medical office space

Challenge

Property had no tenants and banks declined financing. Seller required a 10-day close.

Solution

Nelson Funding secured a $3.5M private money bridge loan with a 12-month term. This allowed the borrower to acquire the property, complete buildout, and pre-lease to medical tenants. Within 10 months, the borrower refinanced into permanent financing at a lower fixed rate.

Why Work With Nelson Funding

Borrowers trust Nelson Funding for private money bridge loans because:

Speed: we know which private lenders can move in under two weeks.
Network: access to dozens of private capital sources nationwide.
Expertise: we structure deals creatively to meet lender and borrower needs.
Transparency: clear communication, no false promises.
Track Record: $100M+ in transactions closed for investors and developers.

“Where banks say no, private money opens doors. Nelson Funding makes the connection.”

FAQ Private Money Bridge Loans

Are private money bridge loans more expensive than bank loans?

Yes, typically the interest rates are higher — often 9–12% — but borrowers pay for speed and flexibility.

How quickly can you close a private money loan?

Some private lenders can fund in 5–7 days, though most close in 7–14 days.

Do I need good credit?

Not necessarily. Private money lenders focus on the asset’s value and the exit plan, not just your credit score.

What property types qualify?

Multifamily, office, retail, industrial, land, and special-use properties can all qualify.

What happens after the bridge period ends?

Most borrowers refinance into permanent financing, sell the property, or complete a value-add strategy to repay the loan.

Ready to Move Forward With Bridge Financing?

Don’t let timing or bank restrictions stop your project. Nelson Funding connects borrowers with fast, flexible bridge financing designed to close deals quickly and set you up for long-term success.