LOAN PROGRAMS

RCN Capital offers short-term and long-term financing options for real estate investors. Whether you or your clients are looking to fix & flip properties or hold properties for rental income, RCN has flexible options that suit your needs.

Final loan terms may vary based on loan types, verification of application information, and other risk-based factors.

PARTNERS

RCN Capital values building strong partnerships with industry professionals because partnerships drive our success. Learn more about RCN Capital’s Wholesale Lending opportunities, including the Broker Referral Program and the Correspondent Lending Program.

ABOUT

RCN Capital is a nationwide private, direct lender. Established in 2010, we provide retail and wholesale lending options for short-term fix and flip financing, long-term DSCR financing, and ground-up construction financing for real estate investors.

Resources

RCN Capital provides a variety of resources that can help you on your lending journey. Find business partners that can help solve any investing problem, learn more about our processes and get answers to the most frequently asked questions.

How Mortgage Brokers and Private Lenders Can Use Bridge Loans to Close More Deals


How Mortgage Brokers and Private Lenders Can Use Bridge Loans to Close More Deals
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A bridge loan is a short-term financing solution designed to cover financial gaps for an investor until long-term financing can be secured or sufficient cash becomes available. These loans, typically lasting from a few months to a year, offer quick liquidity for borrowers facing tight timelines.

For mortgage brokers, private lenders, and referral partners, bridge loans present a valuable tool to help clients navigate funding challenges. Whether your client needs to purchase a property before selling an existing one or needs capital for renovations to increase a property’s marketability, bridge loans provide the necessary flexibility. Understanding how to position these loans to your clients can set you apart in the competitive lending space.

Why Bridge Loans Are a Powerful Tool for Wholesale Partners

1. Provide Quick Access to Capital

In competitive real estate markets, speed is critical. Bridge loans offer an expedited approval process when compared to traditional financing, often closing in a matter of days. As a mortgage broker or private lender, you can use this to your advantage by helping clients secure properties quickly, giving them a strategic edge in bidding wars.

2. Expand Your Lending Offerings

By incorporating bridge loans into your suite of services, you can provide solutions that traditional banks and institutional lenders often don’t. Unlike conventional loans, bridge loans can provide financing for properties that aren’t listed for sale or require value-add improvements. This allows you to capture more business from clients who may not qualify for traditional funding.

3. Serve Clients with Underperforming Multifamily Properties

Many traditional lenders require stabilized properties before issuing loans. This presents challenges for clients investing in underperforming multifamily properties that need improvements to increase occupancy or rental income. Bridge loans provide a short-term funding solution (typically 12-24 months) that enables borrowers to make necessary renovations and improve property performance before transitioning to more permanent financing.

Structuring Bridge Loans for Your Clients

Educating Clients on Repayment Flexibility

Bridge loans provide borrowers with multiple repayment options, including deferred payments and interest-only structures. Clients can choose to pay off the loan after securing long-term financing, allowing them to reinvest in their projects without immediate cash flow constraints. By understanding these repayment structures, you can better advise your clients and align them with the most strategic financing solution.

Mitigating Risk & Ensuring a Smooth Transition to Permanent Financing

A key role of wholesale partners is to help clients plan their exit strategy. Whether transitioning to a long-term mortgage or selling the property, having a defined repayment plan reduces risk and ensures a seamless financing process. Partnering with a lender that offers flexible terms and transparent guidelines will help you provide a superior client experience.

Key Takeaways for Wholesale Partners

  • Bridge loans allow brokers and private lenders to close deals that traditional lenders can’t.
  • Fast approvals and funding give your clients a competitive advantage in real estate transactions.
  • Flexible repayment options and loan structures enable strategic financial planning for clients.
  • Specializing in bridge loans differentiates you in the marketplace, helping attract more clients.

Partner with RCN Capital for Bridge Loan Solutions

At RCN Capital, we specialize in bridge loans tailored for wholesale partners like mortgage brokers, private lenders, and referral partners. Whether your clients need funding for a fix-and-flip, new construction, or value-add multifamily investment, we provide competitive rates, flexible terms, and fast closings to help you close more deals.

If you’re interested in learning how bridge loans can help grow your business, contact RCN Capital today. Our team is here to support you with expert insights and customized lending solutions.