Bridge Loans
Bridge Funding That Keeps Your Momentum Going
Use bridge financing to refinance, complete light renovations, or prepare for DSCR or construction take-out — all with streamlined underwriting, transparent terms, and the same speed you expect from your Fix & Flip funding.
Get fast approvals, predictable draws, and competitive rates designed to keep your projects funded and your capital in motion.
Rates Starting at
9.75%
About Bridge Loans
Financing that Moves at the Speed of Opportunity
When timing defines your success, Xoan’s Bridge Loans give you the flexibility to move fast. Designed for investors and developers, these short-term loans provide capital for acquisition, refinance, or transition while you prepare for long-term financing or resale. With streamlined approvals, predictable terms, and fast funding, Xoan helps you bridge the gap between strategy and execution.
Quick, Simple Approvals
No income verification or long forms — get approved fast to act on time-sensitive opportunities.
Tailored to Your Strategy
Choose from flexible structures for acquisition, refinance, or repositioning — built to match your exit plan.
Reliable Funding Every Step of the Way
Access funds quickly through a transparent process that keeps your transaction and capital on schedule.
Bridge Loan Terms
Financing built to bridge opportunity and execution.
Every transaction is different — that’s why Xoan’s Bridge Loans are designed for speed, flexibility, and precision. Whether you’re acquiring, refinancing, or repositioning a property, we deliver short-term capital that moves at the pace of your strategy.
9.75%
Fixed-rate, interest-only loans priced by borrower experience, leverage, and asset type.
$150,000 – $4,000,000
Funding available for purchase or refinance, with higher loan amounts reviewed individually.
6 – 18 Months
Short-term, interest-only structures aligned with repositioning or transition timelines.
Up to 80% LTV
Finance up to 80% of the property’s as-is value for acquisition or refinance scenarios.
70% LTARV
Total exposure capped at 70% of the property’s after-repair value upon completion.
No Penalties
Exit early at any time — no fees, no restrictions, no surprises.
7–10 Business Days
Close fast with streamlined underwriting, simplified documentation, and clear title requirements.
Business Entities
For U.S.-based LLCs, corporations, or partnerships with a minimum 600 FICO.
How Bridge Loans Work
Flexible, short-term financing built for speed, leverage, and transition.
Xoan’s Bridge Loans provide the capital real estate investors and developers need to act fast — whether acquiring, refinancing, or repositioning a property. These loans offer streamlined, interest-only terms, allowing you to move quickly between strategies — from purchase to stabilization, sale, or long-term refinance.
Acquisition & Refinance Flexibility
Fund up to 80% of the property’s as-is value (LTV) or 90% of total cost (LTC) for acquisitions, rate/term refinances, or cash-out refinances.
Bridge loans are ideal for:
Acquisition: Secure new deals quickly while arranging permanent or construction financing.
Refinance: Unlock trapped equity, pay off maturing debt, or transition stabilized properties to long-term loans.
Eligible for purchase, delayed purchase, rate/term, or cash-out refinance — with clear title and minimal documentation requirements.
Built for Speed and Control
Bridge loans feature interest-only payments and short terms from 6–24 months, designed for predictable cash flow and flexible exits. Underwritten to the asset and borrower’s experience (not income), approvals focus on property value, leverage, and execution plan. Closings typically occur in 7–10 business days, supported by transparent underwriting and a simplified payoff or transition process.
How Xoan Works
From application to closing — all in one seamless experience to finance your properties.
With Xoan, financing a rental property is as simple as it should be. You’ll get instant custom pricing, easy document uploads, and clear visibility into every stage of your loan — from application to closing day.
Step 1: Apply and Get Instant Custom Pricing
Start your rental loan application online — it takes less than 60 seconds. Enter a few bits of information, then, Instantly see your custom loan terms, including projected rates, LTV, and DSCR qualification — all tailored to your deal. No credit pulls or paperwork required to preview your pricing. Just clarity and confidence, right from the start.
Step 2: We Handle the Documents for You
Xoan handles most of the documentation for you through secure third-party integrations — automatically gathering property, income, and insurance details. For the few items we can’t retrieve, like a purchase contract, simply upload them through your dashboard in seconds. No email threads, no back-and-forth — just a faster, smoother path to closing.
Step 3: Track Your Loan Progress in Real Time
Your dashboard keeps you informed every step of the way — from underwriting to final approval. See exactly where your loan stands, what’s next, and when to expect closing. No chasing updates, no confusion — just total transparency from start to finish.
Step 4: Close, Manage Payments, and Payoffs
Close your loan quickly — often within five days of appraisal and title completion. Once funded, manage everything in one place: make payments, view statements, and request payoff quotes instantly when it’s time to refinance or sell. With Xoan, your entire loan journey stays simple, transparent, and in your control.
Testimonials
Reflections From Those Who Build the Future.
“I’ve managed plenty of flips, but ground-up construction was a new challenge. Xoan made it seamless — clear terms, fast approvals, and smooth draws from start to finish. The process was just as quick and investor-focused as my flip loans, but built for new builds.”
Jossue Guzman
,
Founder of Nexgen Buyers LLC
Contact
Get the financing you need today.
Fill out the form to get an immediate call back from our lending team — no waiting, no paperwork, just straight answers and clear terms. Whether you’re purchasing, refinancing, or scaling your portfolio, we’ll help you access funding that fits your goals.
Have Questions?
FAQs
Everything you need to know about Bridge loans with Xoan.
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