Loan programs Bridge loans
Bridge loans for real estate investors who need to close fast
Not every deal fits into a traditional loan. At Apollonia Equities, we provide bridge loans for real estate investors who need speed, flexibility, and certainty to close. Whether you’re acquiring a property, refinancing, or stabilizing an asset, our financing is built to help you move quickly and execute your strategy without delays. We focus on the deal, not just the paperwork, so you can take advantage of opportunities as they come.
/ Overview
What is a bridge loan?
A bridge loan is a short-term real estate loan designed to “bridge” the gap between acquisition and long-term financing or sale. Investors use bridge loans to close quickly, reposition properties, or refinance existing debt. These loans are typically based on the value and potential of the property rather than strict traditional lending requirements.
/ Loan parameters
Program parameters
- Loan amount
- $250K–$10M
- Rates
- Starting at 8.99%
- Leverage
- Up to 90% of purchase; up to 70% LTV on rate/term and cash-out refinances
- Term
- 6–24 months
- Minimum FICO
- 620
Apollonia Equities makes business-purpose loans secured by non-owner-occupied real estate. Not for consumer, personal, family or household use. All terms shown are indicative, represent maximum available parameters, and are subject to underwriting, appraisal, title, borrower experience and final credit approval. Maximum leverage and lowest advertised pricing are not available on every transaction or to every borrower. Loan amounts, rates, terms and timelines vary by program, market and asset. This is not a commitment to lend.
Why investors use bridge loans
- Purchase properties quickly
- Refinance maturing or high-cost debt
- Stabilize underperforming assets
- Fund value-add or repositioning projects
- Bridge the gap before a sale or long-term refinance
Common use cases
- Value-add acquisitions
- Transitional properties
- Lease-up situations
- Cash-out refinance
- Distressed or time-sensitive deals
/ Why Apollonia
Why investors choose Apollonia
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Fast closings
When timing matters, speed is everything. We move quickly from application to funding so you can secure your deal without delays.
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Flexible loan structure
Bridge loans are not one-size-fits-all. We structure financing around your timeline, business plan, and exit strategy.
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Asset based lending
We focus on the value of the property and the strength of the deal, not just personal income or rigid bank guidelines. From initial review to closing, we prioritize clear communication, efficient underwriting, and a straightforward path forward—so you always know where things stand and what comes next.
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Reliable execution
We close when we say we will. Our team stays involved from start to finish so your deal stays on track.
Start your next bridge loan with confidence
The right financing gives you the ability to act when opportunity presents itself. If you need a bridge loan, we’ll structure it around your deal and get you to closing quickly.
Ready to fund your next deal? Connect with Apollonia Equities today and take the next step toward closing your next investment.
Get approved in 24–48 hours Direct lender No upfront fees
/ The difference
What makes our lending approach different
Traditional lenders slow deals down with rigid guidelines and long approval timelines. We don’t. At Apollonia Equities, we take a practical approach by focusing on the asset, the plan, and your ability to execute. That means faster approvals, flexible terms, and financing that actually works for real estate investors.
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We underwrite the asset and its potential
We look at the property’s current value and what it can become, so transitional, value-add, and lease-up deals are judged on their real potential rather than on their condition today.
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We plan around your exit from day one
Every bridge loan is structured with the next step in mind, whether that is a sale, a long-term refinance, or a stabilized hold.
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We take on deals banks won’t wait for
Maturing debt, distressed properties, and time-sensitive acquisitions rarely fit traditional guidelines. Bridge financing is built for exactly these situations.
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We stay involved until the gap is closed
From initial review through closing and payoff, our team stays accessible, so your project keeps moving toward its exit without surprises.
/ FAQ
Common questions about bridge loans
Can I qualify for a bridge loan if the property is not fully stabilized?
Yes. Bridge loans are commonly used for transitional properties that may have vacancy, below-market rents, incomplete lease-up, or other circumstances that make traditional bank financing difficult. We focus on the property, the business plan, and the borrower’s exit strategy.
Can I use a bridge loan to refinance an existing loan that is maturing?
Yes. Bridge financing can be used to pay off maturing debt and provide additional time to stabilize, lease up, sell, or refinance the property into permanent financing.
Can I use a bridge loan for a cash-out refinance?
Depending on the property, leverage, and overall transaction, cash-out may be available. This can allow an investor to access existing equity for another acquisition, property improvements, or other business purposes without selling the asset.
Do I need the property to meet a specific DSCR to qualify?
Not necessarily. Unlike many conventional and long-term rental loans, bridge financing can be structured around the asset’s value, current condition, business plan, borrower experience, and path to stabilization rather than relying solely on the property’s current DSCR.
What exit strategies are acceptable for a bridge loan?
A clear exit strategy is an important part of underwriting. Common exits include refinancing into permanent financing after stabilization, selling the property, completing a lease-up, executing a repositioning strategy, or completing a planned sale or recapitalization.
The financing you need to close more deals
Apollonia Equities is a direct private lender providing tailored real estate financing to investors and developers nationwide. From fix & flip and bridge loans to DSCR, multi family, and ground-up construction, we deliver flexible capital, efficient execution, and certainty of close.