© LOAN PROGRAMS PRODUCT 01 OF 20
The flagship structure. Up to 75% LTV on residential and 70% on commercial, one or two year terms, loans from $150,000 to $25,000,000 and rates from 9.00% to 13.00%, underwritten on the asset and the exit so an acquisition, a recapitalization or a stabilization play never waits on a bank committee.
REQUIREMENTS
BENEFITS
© BRIDGE LOANS PRODUCT 01 OF 20
A bridge loan buys time, and time is the thing most investors cannot buy anywhere else. This is the structure Loan Goat writes when a property has to be taken down now, when equity has to come back out of an asset that is already owned, or when a building needs a few months of work before a permanent lender will look at it. The published loan range is $150,000 to $25,000,000 on a business purpose file, the published leverage is up to 75% LTV on residential and 70% on commercial, the published term is one or two years and the published rate runs from 9.00% to 13.00%.
The credit bar on this product is a 650 minimum score, the floor every bridge structure shares and lower than almost any bank file. This is the priced product, the one where a borrower with a clean profile is paying for speed rather than for a story. Documentation is described on the card as minimal, and the reason is structural rather than generous, because the loan is sized against the property and the exit instead of against a stack of returns.
Two details change how a deal is modelled. There is no prepayment penalty, so an early sale or an early refinance costs nothing beyond the interest already earned, which matters on a one or two year instrument where the real hold is often six or seven months. And leverage is published by asset, 75% on residential and 70% on commercial, so a mixed deal is sized off the right number from the first conversation rather than the last.
Tailored financing that helps your clients act fast - whether acquiring, recapitalizing, or stabilizing. With a streamlined process and strong terms, you can close quickly and confidently.
Loan Goat, on bridge loans & short-term financing
© THE COMPARISON 6 PRODUCTS IN THIS PROGRAM
Six bridge structures sit under one program and share its published terms: 9.00% to 13.00%, 75% LTV on residential and 70% on commercial, one or two years and a 650 floor. What separates them is the asset and the situation. This one is the residential workhorse, for a clean non-owner occupied file.
The same terms across commercial asset classes as well as SFR, with money for post-close rehab and cross collateralization on the table.
Built for construction, transitional financing and major rehabilitation, and the one structure that asks for comparable experience.
The same residential property types for the file with a default, a notice of default or a matured loan, weighed against the equity above the 650 floor.
Interest-only payments, owner occupied permitted and up to two six-month extensions when the loan is current.
Every figure below is the one printed on that product's live terms card. Rates and pricing are subject to change and are not a commitment to lend.
| Product | Rates | LTV Up To | Terms | Loan Amounts |
|---|---|---|---|---|
| BRIDGE LOANS & SHORT-TERM FINANCING | 9.00% to 13.00% | 75% | 1 or 2 years | $150,000 to $25,000,000 |
| SMALL BALANCE BRIDGE LOANS | 9.00% to 13.00% | 75% residential, 70% commercial | 1 or 2 years | $150,000 to $25,000,000 |
| LARGE BALANCE BRIDGE LOANS | 9.00% to 13.00% | 75% residential, 70% commercial | 1 or 2 years | $150,000 to $25,000,000 |
| HARD MONEY RESIDENTIAL BRIDGE LOANS | 9.00% to 13.00% | 75% | 1 or 2 years | $150,000 to $25,000,000 |
| HARD MONEY COMMERCIAL BRIDGE LOANS | 9.00% to 13.00% | 70% | 1 or 2 years | $150,000 to $25,000,000 |
| SHORT-TERM INTEREST-ONLY BRIDGE LOANS | 9.00% to 13.00% | 75% | 1 or 2 years | $150,000 to $25,000,000 |
WHO IT IS FOR · 02
Investors buying, recapitalizing or holding non-owner occupied residential property who need a closing date they can put in an offer. The card sets no experience requirement at all, so a first deal and a fortieth deal are read the same way.
OUR PROCESS · 03
Four steps, and the Letter of Intent is the one that matters: it fixes the terms before anything is ordered or paid for. Processing is in-house, which is why the standard is 5-7 days rather than a calendar of third-party hand-offs.
© PROPERTY TYPES AS PRINTED ON THE TERMS CARD
The card names three residential classes, all non-owner occupied. Commercial asset classes are financed on the small balance, large balance and hard money commercial bridge structures instead.
© BRIDGE LOANS & SHORT-TERM FINANCING
TIME IS THE ONE THING A BANK CANNOT SELL YOU.
PUBLISHED TERMS
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
Fantastic experience working with Milad and his staff at loan goat. Closed both of my loans in less than 10 days. Best hard money lender hands down in San Diego
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
Fantastic experience working with Milad and his staff at loan goat. Closed both of my loans in less than 10 days. Best hard money lender hands down in San Diego
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
© QUESTIONS 5 ANSWERS
Up to 75% LTV on residential and 70% on commercial, from $150,000 to $25,000,000 on a business purpose file. The number a specific property supports depends on the value, the lien position and the exit, and it is fixed in writing on the Letter of Intent before anything is ordered.
The card publishes a 650 minimum credit score, and every bridge structure shares it. Above that floor, a default, a notice of default, a matured loan or a bailout is weighed against the equity rather than ruled out, which is what the hard money residential bridge is for.
Terms are published at one or two years. There is no prepayment penalty, so paying the loan off in month five costs nothing beyond the interest already earned, and a plan that needs the second year has it on the same program.
No. Borrower experience on this card reads "None required", so a first non-owner occupied purchase is underwritten the same way as a portfolio owner's next one. The large balance bridge is the one structure in this program that does require comparable experience.
Not on this product. Occupancy is published as non-owner occupied. The owner occupied bridge is the program built for the home you live in, from 10.50% at up to 70% LTV over 11 or 12 months.
© LOAN REQUEST 2 MINUTES
The loan information form with Bridge Loans already selected. A lending advisor from our firm will reach out. Or just give us a call now: (619) 617-2797.
