Top10 topbridgefinancinglenders.com
UPDATED FOR JANUARY 2026

The Top 10 Top Bridge Financing Lenders Providers in 2026

The leading top bridge financing lenders

See the Top 10
Editor Researcher
Expert Editorial Team Olivia Blake
Top Bridge Financing Lenders

150+

Companies Reviewed

About Top bridge financing lenders

Empowering borrowers with transparent insights and expert rankings to ensure everyone has access to quality bridge financing solutions for informed decision-making.

Customer Reviews 40%
We analyze customer reviews from multiple trusted platforms to assess real-world satisfaction with Top Bridge Financing Lenders providers.
Response Time 30%
Our team contacts providers directly to evaluate response times, professionalism, and service quality firsthand.
Licensing 20%
We verify licenses, certifications, and professional credentials to ensure Top Bridge Financing Lenders providers meet industry standards.
Price Transparency 10%
We assess whether Top Bridge Financing Lenders providers offer clear upfront pricing without hidden fees or surprise charges.

Our Approach

  • Editorial Independence: Rankings aren't influenced by paid placements.
  • Public Data: We aggregate reviews from multiple sources.
  • Regular Updates: Rankings are refreshed periodically.

The Top 10 List

Brought to you by the Editorial Board of Top Bridge Financing Lenders

Verified
#1
Kiavi

Kiavi

4.9 (142 reviews)
Offers a diverse range of loan types including Fix and Flip, DSCR Rental, and Rental Portfolio loans, catering to various investor needs. Achieved a 95% success rate in transactions, indicating strong reliability and efficiency in funding. Provides extensive educational resources, including webinars and a comprehensive resource center, to support investors in their financing journey.

Editor's Summary

What people are saying: #Innovative #Reliable #InvestorFriendly

The Analysis

Pros
  • Offers a diverse range of loan types including Fix and Flip, DSCR Rental, and Rental Portfolio loans, catering to various investor needs.
  • Achieved a 95% success rate in transactions, indicating strong reliability and efficiency in funding.
Cons
  • Limited to specific states, as they only operate in 32 states plus DC, which may exclude potential borrowers in other regions.

Composite Feedback

Representative excerpts based on common themes from verified customer reviews. Not direct quotes.

Working with Kiavi has been a frustrating experience, especially when it comes to managing renovation draws for our properties. Their focus seems to be on processes rather than supporting their clients effectively.
While Kiavi has the potential to be a valuable partner in bridge financing, we've found their communication and handling of draw submissions to be quite lacking.
Award Winning
#2
Mulligan Funding

Mulligan Funding

4.7 (98 reviews)
Fast approval process with funding typically available within 24 hours, allowing businesses to access capital quickly when needed. Offers a wide range of customized lending programs tailored to various business needs, including working capital loans and business term loans. Strong focus on customer service, with dedicated account managers providing personal attention and support throughout the loan process.

Editor's Summary

What people are saying: #Trustworthy #CustomerCentric #FlexibleFinancing

The Analysis

Pros
  • Fast approval process with funding typically available within 24 hours, allowing businesses to access capital quickly when needed.
  • Offers a wide range of customized lending programs tailored to various business needs, including working capital loans and business term loans.
Cons
  • Limited specialization in niche markets such as real estate investing compared to competitors like Kiavi and Temple View Capital.

Composite Feedback

Representative excerpts based on common themes from verified customer reviews. Not direct quotes.

Mulligan Funding has consistently provided me with quick service and excellent customer support, making them a standout choice among payday loan options.
While I had some concerns about the contract details, my overall experience with Mulligan Funding has been positive, especially with their fast response times and helpful staff.
Verified
#3
Biz2Credit

Biz2Credit

4.6 (215 reviews)
Offers personalized financing solutions tailored to individual business needs, ensuring bespoke support for diverse industries. Rapid funding approval process with an average turnaround time of 24 hours for bridge financing requests. Specializes in both short-term and long-term financing, allowing clients to transition smoothly from immediate funding to sustainable financial solutions.

Editor's Summary

What people are saying: #Efficient #Trustworthy #CustomerFocused

The Analysis

Pros
  • Offers personalized financing solutions tailored to individual business needs, ensuring bespoke support for diverse industries.
  • Rapid funding approval process with an average turnaround time of 24 hours for bridge financing requests.
Cons
  • Primarily focused on small to medium-sized enterprises, which may limit options for larger businesses seeking substantial bridge financing.

Composite Feedback

Representative excerpts based on common themes from verified customer reviews. Not direct quotes.

The team at Biz2Credit has been incredible; Bryan consistently checks in on my business and truly cares about my success.
I handed over a complicated mess of documents, and they not only streamlined my finances but also transformed my life. Their responsiveness and expertise are unmatched.
#4
QuickBridge

QuickBridge

4.5 (86 reviews)
Funding approved and disbursed within 24 hours, allowing businesses to access capital quickly compared to competitors with longer processing times. User-friendly mobile app enabling loan applications to be completed in minutes, streamlining the borrowing process more effectively than many other lenders. Recognized for high customer satisfaction, receiving a top ranking from LendingTree in Q1 2023, indicating a strong track record for customer service and support.

Editor's Summary

What people are saying: #FastFunding #Reliable #CustomerCentric

The Analysis

Pros
  • Funding approved and disbursed within 24 hours, allowing businesses to access capital quickly compared to competitors with longer processing times.
  • User-friendly mobile app enabling loan applications to be completed in minutes, streamlining the borrowing process more effectively than many other lenders.
Cons
  • May have higher interest rates compared to some competitors like Kiavi, which could be a deterrent for cost-sensitive borrowers.

Composite Feedback

Representative excerpts based on common themes from verified customer reviews. Not direct quotes.

QuickBridge truly understands the needs of small businesses, making the lending process straightforward and efficient.
I appreciated how attentive they were to my unique business situation; it made all the difference in my financing experience.
#5
Primary Funding Corporation

Primary Funding Corporation

4.5 (54 reviews)
Offers accounts receivable financing with flexible repayment terms tailored to cash flow cycles. Provides direct access to decision-makers, resulting in loan approval times as fast as 24 hours. Specializes in asset-based lines of credit, allowing businesses to leverage their existing assets for immediate funding.

Editor's Summary

What people are saying: #ClientFocused #FlexibleFinancing #Reliable

The Analysis

Pros
  • Offers accounts receivable financing with flexible repayment terms tailored to cash flow cycles.
  • Provides direct access to decision-makers, resulting in loan approval times as fast as 24 hours.
Cons
  • Primarily focuses on small to mid-sized businesses, which may limit options for larger enterprises.

Composite Feedback

Representative excerpts based on common themes from verified customer reviews. Not direct quotes.

Working with Primary Funding Corporation has been a fantastic experience for my small business; their support and understanding of my needs made all the difference.
As a new business owner, I truly appreciate the exceptional service from Primary Funding; they've been instrumental in helping me navigate my financing options.
#6
Global Integrity Finance

Global Integrity Finance

4.4 (30 reviews)
Offers a wide range of loan products including specialized bridge loans for both short-term refinancing and cash-out purposes, catering to various investor needs. User-friendly loan request and draw process, which streamlines funding and reduces the time from application to funding compared to competitors.
Get Quote

Editor's Summary

What people are saying: #Versatile #Efficient #CustomerCentric

The Analysis

Pros
  • Offers a wide range of loan products including specialized bridge loans for both short-term refinancing and cash-out purposes, catering to various investor needs.
  • User-friendly loan request and draw process, which streamlines funding and reduces the time from application to funding compared to competitors.
Cons
  • Primarily focused on the Texas market, potentially limiting opportunities for investors in other regions compared to national lenders like QuickBridge or Biz2Credit.

Composite Feedback

Representative excerpts based on common themes from verified customer reviews. Not direct quotes.

I had a troubling experience with Global Integrity Finance; they altered my terms right before closing, which was incredibly frustrating.
I advise fellow investors and brokers to think twice before partnering with Global Integrity, as their last-minute changes can be quite concerning.
#7
Ready Capital

Ready Capital

4.3 (45 reviews)
Recognized as a top 1% SBA Preferred Lender, which enhances credibility and access to specialized SBA loan programs. Offers a diverse range of loan programs, including commercial bridge loans and multifamily bridge loans tailored for various property types.
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Editor's Summary

What people are saying: #Reliable #Innovative #Ambitious

The Analysis

Pros
  • Recognized as a top 1% SBA Preferred Lender, which enhances credibility and access to specialized SBA loan programs.
  • Offers a diverse range of loan programs, including commercial bridge loans and multifamily bridge loans tailored for various property types.
Cons
  • Primarily focused on commercial real estate and small business sectors, which may limit options for personal loans or consumer financing compared to other lenders like Biz2Credit.

Composite Feedback

Representative excerpts based on common themes from verified customer reviews. Not direct quotes.

Ready Capital has a reputation for being a dominant player in the lending space, but their approach can feel a bit aggressive toward smaller businesses.
While they offer necessary financing solutions, their tactics may come off as overly shrewd, particularly for those running small enterprises.
#8
Temple View Capital

Temple View Capital

4.3 (22 reviews)
Offers tailored loan programs specifically designed for both seasoned investors and new entrants, ensuring a customized approach to financing.
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Editor's Summary

What people are saying: #Trustworthy #CustomerFocused #Innovative

The Analysis

Pros
  • Offers tailored loan programs specifically designed for both seasoned investors and new entrants, ensuring a customized approach to financing.
Cons
  • Primarily focused on real estate investments, which may limit options for borrowers seeking diverse types of financing.

Composite Feedback

Representative excerpts based on common themes from verified customer reviews. Not direct quotes.

My experience with Temple View Capital was disappointing as they failed to communicate their lending restrictions in a timely manner, causing significant delays in my property transaction.
I found out too late that Temple View Capital doesn't finance rural properties, which left me frustrated with their lack of clarity during the process.
#9
Navigator Private Capital

Navigator Private Capital

4.2 (15 reviews)
Offers a rapid 48-hour closing time once all documentation is complete, which is faster than many competitors.
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Editor's Summary

What people are saying: #FastAndFlexible #InvestorFriendly #ReliablePartner

The Analysis

Pros
  • Offers a rapid 48-hour closing time once all documentation is complete, which is faster than many competitors.
Cons
  • Primarily based in Maryland, which may limit accessibility for clients outside the Northeast region compared to more nationally-focused lenders.

Composite Feedback

Representative excerpts based on common themes from verified customer reviews. Not direct quotes.

Navigator Private Capital provided us with invaluable guidance throughout our financing process, ensuring we made all the right moves to achieve our goals.
Working with Navigator Private Capital was a breeze; their expert advice and support made all the difference in securing the funding we needed.
#10
Access Business Finance

Access Business Finance

4.1 (10 reviews)
Offers a wide range of asset-based lending solutions, including lines of credit and factoring services, catering specifically to businesses that cannot qualify for traditional financing.
Get Quote

Editor's Summary

What people are saying: #Trusted #FlexibleFinancing #IndustryVeterans

The Analysis

Pros
  • Offers a wide range of asset-based lending solutions, including lines of credit and factoring services, catering specifically to businesses that cannot qualify for traditional financing.
Cons
  • Limited marketing presence outside the Pacific Northwest, which may hinder visibility for potential clients in other regions.

Composite Feedback

Representative excerpts based on common themes from verified customer reviews. Not direct quotes.

Adam is incredibly knowledgeable and a true expert when it comes to investment advice; I can't recommend him enough!
If you're looking for top-notch financial guidance in Bellevue, look no further-Access Business Finance delivers exceptional service and expertise.

Before You Hire

Key considerations when evaluating providers in this industry.

1

Maintain a national or international footprint, serving clients globally

2

A minimum of five years experience in bridge financing lending

3

A minimum of 100 successful loans in the previous year

Frequently Asked Questions

What should I look for in a top bridge financing lender? +

When comparing top bridge financing lenders, consider their interest rates and repayment terms, which will play a significant role in the overall cost of the loan. Additionally, look for lenders with a strong reputation in the market, backed by positive customer reviews and a track record of transparency and reliability. Also assess their speed of approval and funding, as the purpose of bridge financing is often to meet immediate or short-term financial needs.

How do bridge financing lenders determine the interest rates they offer? +

Bridge financing lenders determine the interest rates they offer based on several factors. The creditworthiness of the borrower is a chief consideration, including their credit score, income level, and financial stability. Other factors include market conditions, the amount of the loan, and the expected repayment term. The lender assesses these elements to calculate the risk associated with the loan and set a corresponding interest rate. It's also worth noting that each lender may have its own unique methodology for assessing these factors and setting rates.

Are there specific qualifications or requirements to obtain bridge financing? +

To obtain bridge financing, borrowers typically need to have a good credit score, a low debt-to-income ratio, and a solid exit strategy. The exact requirements can vary between lenders, but many require a credit score of 650 or higher and a debt-to-income ratio of less than 50%. The exit strategy is important because it demonstrates to the lender how the borrower plans to repay the bridge loan, often through the sale of a property or obtaining long-term financing.

How quickly can I expect to obtain bridge financing from a top lender? +

The speed at which you can obtain bridge financing from a top lender typically depends on the lender's processes and the complexity of your financial situation. However, in many cases, you may be able to secure bridge financing within a timeframe of two weeks to 30 days. Keep in mind that while some lenders may offer expedited processes, these may come with higher interest rates or fees, so it's important to weigh the cost against your need for speed.

What types of properties or projects are typically suitable for bridge financing? +

Bridge financing is typically suitable for a variety of properties and projects. These often include commercial real estate transactions, such as buying a new property before the sale of an old one, or covering short-term capital needs during property development or improvement. Additionally, residential property buyers who are purchasing a new house before selling their current home may also utilize bridge loans.

What are the potential risks associated with bridge financing? +

Bridge financing carries risks that potential borrowers should consider. The most significant risk is the higher interest rates and fees compared to traditional financing due to its short-term nature and the speed at which these loans need to be arranged. Secondly, if the borrower's exit strategy fails - like selling the original property or securing long-term financing - they could face financial strain or even foreclosure.

Can I get bridge financing if I have a poor credit history? +

Obtaining bridge financing with a poor credit history is challenging but not impossible. Some bridge financing lenders, such as hard money lenders, focus more on the value of your collateral and the profitability of your deal rather than your credit score. However, these lenders often charge higher interest rates and fees to offset the increased risk they're taking on.

How does the repayment process work with bridge financing loans? +

Bridge financing loans are typically short-term loans that are usually repaid within a year, when the borrower secures longer-term financing or sells the underlying asset. The repayment process can vary depending on the lender and the specifics of the loan agreement. Some lenders may require monthly interest payments, while others may roll the interest into the loan balance, to be paid in full at the end of the loan term. Interest rates for bridge loans tend to be higher than those for traditional loans due to their short-term nature and the relative risk involved. It's important for borrowers to fully understand the terms of their bridge loan agreement to ensure they can meet the repayment requirements.

What are the common terms and conditions involved in bridge financing agreements? +

Common terms and conditions in bridge financing agreements typically include the loan amount, interest rate, and repayment period. The loan amount is usually less than 65% of the property's value and the interest rate can range from 9% to 14%. The repayment period is generally short-term, often between 6 months to 3 years. These loans are typically interest-only until maturity, at which point the entire loan amount becomes due. It's also common for bridge loans to have prepayment penalties and require collateral, usually in the form of real estate or other hard assets.

How are bridge financing lenders regulated? What should I know about this regulation? +

Bridge financing lenders are regulated by both federal and state laws in the United States. The specific regulations vary from state to state, but they generally include requirements for licensing, adherence to fair lending practices, and maintaining certain standards for underwriting and loan servicing. One should be aware that while these regulations aim to protect borrowers, they do not eliminate the need for careful review of loan terms and conditions. Some lenders may have higher interest rates or stricter terms, so it's crucial to compare options and understand the implications of each loan agreement.