Bridge Loans Texas — Close Fast, No Tax Returns
Short-term commercial bridge financing statewide.
Asset-based approval — no income verification, no credit minimum required.
Same-day LOI. 6–24 month terms. All property types. All Texas counties. Direct lender since 1998.
When You Need Money Now — Not in 90 Days
Bridge loans exist for one reason: speed. Banks take 60–90 days. We issue a same-day LOI and close in weeks. Asset-based approval means no tax return requirement and no credit minimum.
No Tax Returns Required
Approval based on the property value and your equity. No W-2s, no personal income verification, no 2 years of returns.
All Credit Welcome
Bad credit, past bankruptcy, foreclosure — we work with all credit profiles. The asset drives the approval.
Same-Day LOI
Tell us about your deal and we issue a letter of intent the same day. No weeks of waiting to find out where you stand.
Foreign Nationals Welcome
Non-US citizens and international investors. No US credit history required. Asset-based approval for any Texas property.
Flexible Exit Strategy
Refinance to permanent financing, sell the property, or extend. We work with your plan — no rigid exit requirements.
No Upfront Fees
No application fee. No processing fee before closing. Nothing out of pocket to get your LOI or start the process.
When Bridge Loans Make Sense
Bridge loans solve specific problems. Here are the most common situations we fund.
Acquisition — Permanent Financing Pending
You found the deal but your permanent loan isn’t ready. Bridge the gap, close now, refinance when the dust settles.
Value-Add & Repositioning
Buy a distressed or underperforming property, stabilize it, then refinance into permanent financing based on new NOI.
1031 Exchange Timing
Replacement property found but your exchange timeline is tight. Bridge the acquisition while your exchange completes.
Bank Turned You Down
Bad credit, low income on paper, or complex deal structure. We approve on the asset — not what a bank committee decides.
Construction to Perm
Bridge from construction completion to permanent financing. Stabilize occupancy, then refi into a long-term loan.
Maturity or Balloon Due
Existing loan maturing and permanent financing isn’t ready. Bridge the gap and avoid default or forced sale.
Who Qualifies
If any of these describe you, call us — we can likely help.
Time-sensitive deal that won’t wait for bank underwriting
Bad credit, past foreclosure, or no clean credit history
Self-employed with income that looks low on paper
Foreign national buying commercial property in Texas
Value-add or distressed property banks won’t finance
Broker with a client who needs a fast close — we pay referral fees
Common Questions
What borrowers ask before calling about bridge financing.
Searching for a bridge loan near me in Texas?
Yes — we’ve been closing commercial bridge loans across Texas since 1998. Houston, Dallas, San Antonio, Austin, Fort Worth, and every county statewide. No tax returns required, bad credit OK, foreign nationals welcome. Same-day LOI, no upfront fees. Call us and we’ll tell you if your deal qualifies within the hour.
What are typical bridge loan terms?
6–24 month terms on most programs. Interest-only payments during the bridge period are common. LTV varies by property type and condition — call us and we’ll run your specific numbers for free.
Do I need good credit for a bridge loan?
No credit minimum on our asset-based programs. We look at the property value, your equity, and the deal structure. Past bankruptcy, foreclosure, or low FICO — none of it automatically disqualifies you.
What property types do you bridge?
All commercial property types — multifamily, retail, office, industrial, mixed-use, land, and construction. If it’s commercial real estate in Texas with equity, call us.
Get Your Bridge Loan LOI Today
Tell us about your deal — same-day letter of intent, no upfront fees.
No tax returns. All credit welcome. All Texas counties.