Loan Program

Hard Money Bridge Loans in Jackson Hole, WY

Short-term financing to bridge gaps between real estate transactions throughout Jackson Hole, Wilson, Teton Village, and the greater Teton County region.

Request Funding Call 307-313-5330

Hard money bridge loans provide temporary financing for real estate transactions when timing doesn't align perfectly. Whether you need to purchase a new property before selling an existing one, require short-term capital while securing permanent financing, or need to act quickly on an opportunity, bridge loans offer fast, flexible solutions. Jackson Hole's fast-moving real estate market often requires bridge financing to capture opportunities before they're gone.

Bridge loans fill the gap between immediate funding needs and long-term solutions. Common scenarios include: purchasing a new home or investment property before your current property sells; completing a 1031 exchange when identification and closing timelines create temporary capital needs; acquiring a property that needs renovation before permanent financing is available; or securing a deal while arranging traditional or long-term financing. Our bridge loans provide the speed and flexibility to execute these transactions with confidence.

When to Use Bridge Financing in Jackson Hole

Bridge loans are ideal for multiple scenarios. 1031 exchange investors often need bridge financing when replacement property identification and closing timelines create temporary capital requirements. Homebuyers who find their dream property before selling their current home use bridge loans to make non-contingent offers. Investors acquiring value-add or distressed properties need short-term capital until renovation is complete and permanent financing can be secured. Business owners purchasing owner-occupied commercial real estate may bridge while arranging SBA or conventional financing. In each case, speed and flexibility are essential, qualities our bridge loans deliver.

Speed and Certainty for Time-Sensitive Deals

Jackson Hole's competitive market rewards buyers who can close quickly. Our bridge loans fund in 7-14 days, enabling you to make offers that compete with cash buyers. Asset-based underwriting focuses on property value rather than exhaustive documentation. We understand that bridge scenarios often involve complexity, multiple properties, transitional value, or unique situations, and we structure loans that work for your specific transaction.

Bridge Loan Features

Our bridge loan program offers competitive terms for Jackson Hole area transactions:

Loan Amounts: $100,000 to $5,000,000
Interest Rates: 9.9% to 12.9% based on scenario and risk
Terms: 1 to 24 months, structured for your exit timeline
Residential LTV: Up to 75%
Commercial LTV: Up to 65%
Funding: 7-14 days from application
Documentation: Streamlined, asset-focused

Bridge Loan Benefits

Execute time-sensitive transactions with bridge financing:

Secure new investments before selling current assets
Quick access to capital for time-sensitive opportunities
Flexible exit strategies, sale, refinance, or permanent financing
Asset-based approval process, focus on property value
Can be used for any legal real estate or business purpose
No minimum credit score requirements
Understand complex scenarios, 1031, contingent sales, value-add

Bridge Loan Scenarios We Finance

We fund diverse bridge scenarios throughout Jackson Hole and surrounding areas. 1031 exchanges: Bridge the gap when replacement property timing doesn't align with relinquished property sale. Contingent sale: Purchase your next property before your current one sells, make non-contingent offers that win. Value-add bridge: Acquire and renovate, then refinance into permanent financing upon stabilization. Owner-occupied commercial: Bridge while arranging SBA or conventional commercial financing. Land development: Short-term capital during entitlement or development before construction financing. We evaluate each scenario on its merits and structure appropriate terms.

Exit Strategy Flexibility

Bridge loans require a clear exit strategy, how you'll repay the loan. Common exits include: sale of the property (or another property); refinance into permanent financing once the property is stabilized or improved; 1031 exchange proceeds from replacement property sale; or sale of another asset. We structure loan terms to align with your anticipated exit timeline. Extensions are often available if your exit timeline shifts, though we encourage realistic initial terms. Our team can discuss exit strategy options for your specific situation.

Frequently Asked Questions

How quickly can I close on a bridge loan?

We typically close bridge loans in 7-14 days from application. Our streamlined process focuses on property value and your exit strategy rather than extensive documentation. For time-sensitive acquisitions, we can often expedite. Pre-approval can be provided within 24 hours to strengthen your offer.

What exit strategies do you accept?

We accept various exit strategies: sale of the collateral property, refinance into permanent financing, 1031 exchange proceeds, sale of another property, or other documented repayment source. The key is a credible, documented plan for repaying the loan within the term. We'll discuss your specific exit strategy during application.

Can I use a bridge loan for a 1031 exchange?

Yes. Bridge loans are commonly used in 1031 exchanges when replacement property identification and closing timelines create temporary capital needs. We understand 1031 requirements and can structure bridge financing that accommodates exchange timelines. Consult with your qualified intermediary and tax advisor on exchange structure.

What if my exit takes longer than planned?

We understand that real estate timelines can shift. Extension options are typically available for qualified borrowers. Extension terms and any associated costs depend on the specific situation. We encourage realistic initial terms and open communication if your timeline changes.

Do you require a minimum credit score?

Our bridge loans are primarily asset-based. We focus on property value, equity position, and exit strategy rather than credit score. Borrowers with various credit profiles can qualify when the collateral and exit strategy are strong. We evaluate each scenario individually.

Loan Features

Loan amounts from $100,000 to $5,000,000

Interest rates from 9.9% to 12.9%

1 to 24-month terms

Up to 75% LTV on residential, 65% on commercial

Funding in 7-14 days

No minimum credit score requirements

Benefits

Secure new investments before selling current assets

Quick access to capital for time-sensitive opportunities

Flexible exit strategies

Asset-based approval process

Can be used for any legal business purpose