Bridge Loans

Creative Financing Solutions for Real Estate Investors

Optimus Capital Bridge Loans are a quick and easy way to fill the financing gaps that you may be facing with your project. We can meet almost any need and close quickly through our private bridge loans program. As a full-service direct hard money lender, we can streamline all your funding needs while you build your real estate portfolio. 

Optimus Capital bridge loans can be used for rehab, construction completion or ground up construction. We deliver fast and easy access to financing at the best terms available in the market.

Bridge Loan FAQs

A bridge loan is a short term loan for investors who purchase real estate. These investors prefer to purchase or finance a property and usually renovate or remodel the property. These then either sell the property or refinance the current debt at the time of completion with a longer term loan or mortgage. 

Bridges basically “bridge” the time when the property is acquired until it’s remodeled and sold or refinanced into a long term rental loan.

A bridge loan is great if you do not wish to purchase a property with all cash and have plans to remodel or complete a renovation on the property. It is commonly used by real estate investors for their fix and flips.

California, Colorado, Connecticut, Florida, Georgia, Illinois, Kentucky, Massachusetts, Maryland, Michigan, Missouri, South Carolina, New Jersey, New York, Tennessee, Oklahoma, Ohio, Pennsylvania, Texas, Virginia, Washington, West Virginia

Optimus Capital can fund and close on bridge loans in one to two weeks for experienced investors. Borrowers without experience may be slightly longer to close depending on documentation submitted. 

The documents that we will need could include the following: application, experience spreadsheet, scope of work spreadsheet (if rehab requested), purchase agreement )if purchase), HUD (if refinance), copy of current mortgage statement (if refinance), escrow information, insurance agent information, credit card authorization form for appraisal or BPO, 2 months most current bank statements, If leased, rental agreement(s), Photo ID, possibly other documents.

At Optimus Capital, our bridge loan rates begin at 7.95. There are a variety of determining factors which can affect the interest rate, such as the percentage of the down payment in comparison to the purchase price, the borrowers experience, the profitability of the deal, as well as the personal credit scores of the borrower. Although this last factor is not the most determining factor; seriously low credit scores would not receive the same terms as a very high credit score.

At Optimus Capital, the maximum leverage offered on a bridge loan is 90% of purchase and 100% of the renovation or rehab costs. Of course, the amount of cash needed by the borrower to close is determined by the size of the transaction.

Depending on the state, some states we require that you hold title in an entity. Some title can be held in an individual’s name. Please contact us with your deal here and we will let you know if an entity is needed or not.

At Optimus Capital, we fund the rehab or renovation costs “as drawn upon” meaning it’s based on completed work. You start the rehab, complete work and then request a “draw” from our Processing Dept.

Usually we fund 100% of the rehab or renovation costs. It can vary on the program as well as the profitability of the deal. However, most deals funded involving rehab at Optimus Capital receive 100% of the renovation costs.

The draw process is simple. You can receive multiple draws as you complete the project or you can complete all of the work and request a draw for the total amount. Whenever you need a draw, simply contact the Optimus Capital Processing Dept. and they will send you the needed items to complete. You will be in contact with this department as your deal closes, so you will already have their contact information when the time comes to request a draw.

At Optimus Capital, we have a dedicated team standing by to assist you. You can submit a new deal here. You can also call us at 916-414-8861. We can also be emailed at Someone from our dedicated team will contact you promptly. 

If you complete this simple form, someone will contact you shortly and help assist you to the fullest.

One of our dedicated professionals will be in communication with you the entire time through the transaction.

Optimus Capital

Emerald Bridge Loan Program can be used for purchases, refinances of current debt, and cash out

We offer a seller carry second option for purchases. The seller would be in second position and can carry a portion of the purchase price. Contact an executive now to get more details.

We are confident that the benefits listed below will bring value to your projects.


  • Refinancing a property mid-construction to cash out and finish (drywall or better)
  • Refinancing a loan with a balloon payment coming up – typically cheaper than getting extensions!
  • Cashing out on a property while it is on the market
  • Getting more time during a slow season to sell when the market picks up

Benefits include:

  • Excellent terms
  • Lower rate
  • Quick closings
  • National Discount Program – Up to 25% off on building materials (free gift for private clients)
Optimus Capital Inc SFR 1 – 4 Unit Emerald Bridge Program
  • Refinance / Cash Out / Purchase
  • Rates starting at 8.5%
  • Loans up to $5 million (5M+ possible, slightly lower LTV)
  • Terms up to 24 months (longer possible case-by-case)
  • No limit to amount of deals funded
  • Minimum borrower credit 600 (under 600 case by case)
  • No prepayment penalty
  • Non U.S. Citizen possible with permanent residency
  • Available in most states
What Makes This Program Different Than Others?

Our Optimus Capital program will work with foreign nationals with permanent residency as long as the entity and banking purchasing the property are located in the United States of America.

Optimus Capital allows a 2TD behind our first position, approved case by case. This is great for purchases where you have a seller that will carry a portion of the purchase price.

Additionally, Optimus Capital Inc can work with borrowers who have personal credit scores as low as 600. We look at the mid credit score. Case by case below 600 credit could be allowed.

Loans up to $5 million dollars and even above are possible. On larger loans the LTV (loan-to-value) may be slightly lower. Our team will determine the risk of the project and decide on the loan to value accordingly. 

Optimus Capital Inc offers quick closings, low rates, and great terms. We understand how important it is for you when you have a deal in contract and need a lender that you can rely on. It has become harder and harder to find good deals and sometimes you need to close quickly; Optimus Capital Inc understands this and will work efficiently and tirelessly on your behalf, in order to close your bridge loans smoothly.

Typical Reasons Clients Need Bridge Loans

  • Purchase and remodel a property to sell
  • Refinance current debt
  • Obtain a bridge loan to acquire a property to then refinance with an institution 

We have many clients that come to us for bridge loans when they are purchasing a property. Sometimes, our clients request renovation funds and other times they are only looking for acquisition funds. Either option is available.

Other clients come to us who currently have bridge loans and would like to refinance and receive short term debt. Reasons for this include, a rehab project took longer than expected. Sometimes obtaining permits can result in a longer wait time than initially expected. This is where Optimus Capital comes in; we refinance their current debt and we do it efficiently offering a streamlined process with communication to you the client along the way.

Additionally, other reasons clients request bridge loans are that they need to acquire a property quickly and their traditional bank will take too long, therefore they come to us for acquisition funds and we give them bridge loans. This gives them the acquisition of the property as well proper time to refinance with their institution.

We are investors for investors, understanding the unique needs of our investor clients. Feel free to fill out the quick app below and tell us a little about yourself and your project that you would like to get funded so that we can match you to the loan product that fits your specific investing needs.
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