Short-term is sharp strategy.
A bridge loan is short-term real estate financing (typically 12 months) that lets investors close on a property quickly while they arrange permanent financing or prepare to sell. Clout Capital closes our bridge loans in as little as 5 business days, with asset-based underwriting dependent on the deal, not your income. 70% LTV on purchase, 65% on cash-out, rates from 9.99%-12.99%, lending in the Northeast.
A bridge loan is exactly what it sounds like: capital that gets investors from purchase to exit while a permanent plan comes together. In competitive Northeast real estate markets, sellers will not wait for buyers to get their finances in order; a bridge loan lets investors close fast while lining up permanent financing or a buyer on the back end.
Common uses for a Clout Capital bridge loan:
The question every investor asks: what happens if I’m not ready to exit at month 12?
Clout Capital is built by investors, for investors: we know not every project goes exactly to plan, and that’s why we have flexibility built into our loan products. There are three ways that a Clout Capital bridge loan ends, and all three are planned for at the start:
BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. This strategy is one way investors build rental portfolios without continuously deploying new capital. Clout Capital’s bridge loans are the first leg of that cycle. Here’s how it works:
Investors often run BRRRR across two separate lenders: a hard money lender for the bridge phase, and a bank for the permanent phase. Clout Capital handles both phases in-house. The bridge loan and permanent financing are managed by the same team, so when the bridge term ends and it’s time to refinance, there are no surprises.
Our loan terms aren’t one size fits all – let’s explore how we can tailor our numbers to work for your needs.
| Term | Details |
|---|---|
| Loan Size | $150,000 – $1,600,000 |
| Purchase LTV (Acquisition Only) | Up to 70% |
| Cash-Out LTV | Up to 65% |
| Max ARV | 70% |
| Loan Term | 12 months (four 3-month extensions available) |
| Interest Rate | 9.99% – 12.99% depending on the deal |
| Minimum FICO | 650 (lower scores considered at slightly higher rates and lower LTVs) |
| Processing Fee | Flat $1,999 |
| Bank Attorney Fee | $1,750 – $2,250 |
| Interest Lockout | 3 months minimum |
| Eligible Properties | 1–8 unit residential, condos, townhomes (non-owner occupied) |
| Entity Required | LLC, Corporation, or Partnership |
| Service Area | NY, NJ, CT, PA, MA, RI, VT. Other regions available in consultation with our financing partners. |
| Additional Qualifications | 3 months of cash reserves. No bankruptcy, foreclosure, or derogatory public records in the past 2 years. |
| First-time Investors | Yes |
| Required Documentation | Loan application, track record, 2 months of bank statements, appraisal, contract, scope of work, insurance, ID, entity documents. |
Rates as of April 2026. Subject to change based on credit score, LTV, and property type.
The standard minimum FICO score is 650. Lower scores are evaluated on a case-by-case basis. A higher rate and lower LTV can sometimes offset a lower credit score. Get pre-qualified or call (516) 350-5309 to discuss your specific situation.
Bridge loan rates run from 9.99% to 12.99%, typically interest-only for the life of the loan. Exact rates are dependent on the deal, credit score, LTV (loan-to-value), exit strategy, and additional holistic criteria.
As fast as 5 business days; traditional banks typically take 30 – 60 days. In a competitive market, speed seals the deal, so that timing difference matters.
70% of the purchase price, or up to 65% LTV on a cash-out refinance, up to 70% ARV.
No. Clout Capital is an asset-based lender. We underwrite the deal (the property, the LTV, the exit strategy), not your employment status or personal income.
Yes. First-time investors are welcome to apply for our bridge loans, with a clear exit strategy (sale or refinance within the 12-month term) and a minimum 650 FICO score.
It depends on the deal. If we structure a deal with “Dutch Interest,” that means you pay interest on the full committed loan amount from day one, even if funds haven’t been fully disbursed. If we structure your deal with “Non-Dutch Interest,” Clout Capital charges interest only on the amount actually drawn. There are pros and cons to both structures – read more about Dutch vs. Non-Dutch loans.
They are often the same thing. Hard money loan and bridge loan are both used to describe short-term, asset-based real estate financing. The difference is mostly terminology. Clout Capital uses the term Residential Transition Loans to describe both. Learn more about the difference between Residential Transition Loans and Traditional Loans.
1-8 unit residential properties (non-owner occupied), condos, and townhomes. The property must be held in a business entity: LLC, Corporation, or Partnership.
A bridge loan on a 2-8 unit multifamily property. Clout Capital funds multi-family bridge loans under the same terms as single-family. Up to 70% LTV, 12-month term, close in days.
Clout Capital offers up to four 3-month extensions. We also offer in-house DSCR permanent financing; if you exit strategy is a rental hold, you can transition directly to a long-term loan without finding a new lender.
Every deal is personally reviewed by Christopher Clifford, Managing Partner. Chris founded Clout Capital’s sister mortgage bank Cliffco Mortgage Bankers over 35 years ago, and has funded over $500M in real estate loans. Each Clout Capital deal gets his experienced guidance directly. Learn more about the team behind Clout Capital.
FUNDING, REIMAGINED.
We specialize in private, asset-based bridge loans for 1-8 unit residential properties. Whether you’re flipping, holding, refinancing, or building from the ground up, Clout Capital provides financial solutions to move your investment forward – without the red tape of traditional lending.
Ready to learn more?
Schedule a meeting with Chris Clifford.
Our client purchased this single family home using Clout Capital’s Bridge Loan program, keeping their own capital free and flexible. Clout Capital funded a $58,000 bridge loan with a $775,000 purchase price in Copiague, NY.
