Competitive offers, 1031 timing, or a sudden bank delay—some transactions can’t wait. ARC Private Lending’s bridge loans in California provide short-term, asset-backed capital so you can close with confidence and move forward while longer-term financing or a sale comes together. With interest-only payments, pragmatic underwriting, and a focus on exit planning, we help you protect the deal and your timeline.

When a Bridge Loan Makes Sense

  • Buy-before-you-sell: Avoid contingent offers and secure the next property first.

  • Time-sensitive acquisitions: Off-market or auction deals that demand a quick close.

  • Refi delays: Appraisal or documentation slowdowns with a conventional lender.

  • Value-add prep: Light renovations or lease-up before a DSCR/conventional refi.

ARC Advantage

  • California focus: Local market nuance, comp realism, and entitlement awareness.

  • Execution certainty: Clear term sheets, responsive coordination with title/escrow, and reliable timelines.

  • Exit-oriented underwriting: We align loan structure to realistic exits—sale, DSCR/conventional refi, or 1031.

  • Relationship capital: We value repeat borrowers with efficient processes and high communication.

Loan Terms Snapshot

  • Term: Generally 6–18 months; extensions considered as needed.

  • Structure: Interest-only with balloon at maturity.

  • Security: First-lien position with strong emphasis on collateral value.

  • Leverage: Conservative LTV caps tied to sponsor strength and exit path.

  • Fees & Points: Based on risk, complexity, and speed to close.

  • Prepay: Flexible for typical bridge use-cases (case-by-case).

Property Types Considered

  • Residential investment: SFR, condos, 2–4 units.

  • Multifamily & mixed-use: Especially value-add or in transition.

  • Commercial: Retail, office, and industrial—tenancy and market dependent.

Typical Scenarios

  • Contingency-free offers: Present a stronger offer and close quickly.

  • Construction-to-perm: Use bridge capital until CO, stabilization, or seasoning.

  • Lease-up: Improve NOI, then refinance at a stronger valuation.

  • DSCR near-miss: Bridge the gap while rent, occupancy, or documents catch up.

Process Overview

  1. Talk to a Specialist / Pre-Qualify: Share your goals and deal summary Pre-Qualify.

  2. Valuation & Diligence: We review collateral, rent rolls/leases (if CRE), and exits.

  3. Term Sheet: Economics and key covenants aligned to your timeline.

  4. Close & Fund: Coordinated escrow with targeted speed and transparency.

Risk Notes & Best Practices

Bridge financing is a tool for timing. Build a conservative timeline buffer, confirm insurance and vendor availability early, and map your exit with contingencies. A realistic hold-cost model keeps you agile if the market shifts.

FAQs

Can this be owner-occupied? Our bridge lending is generally investment-focused; select scenarios may be reviewed case-by-case.

How quickly can we close? Many transactions can close in under two weeks, dependent on title and valuation.

What are acceptable exits? Sale, DSCR or conventional refinance, and in some cases a 1031 exchange.

What third-party costs apply? Title, escrow, underwriting, and appraisal/valuation—deal-specific.

Do you allow cross-collateralization? Yes, case-by-case to strengthen leverage.