About
BridgeWell Capital is an Orlando, Florida-based direct hard money lender founded in 2008. The firm has provided over $500 million in private capital to real estate investors across 20 states and carries a BBB A+ rating with 124+ Google reviews.
BridgeWell Capital describes itself as the original hard money lender, delivering fix-and-flip loans, cash-out refinances, commercial bridge loans, and rehab-only financing to residential and commercial investors since 2008. Fix-and-flip loans run from $100,000 to $2,000,000 at up to 75% LTV with 100% of rehab funded, 10-13% APR, and 1.5-3% origination. The firm releases 20% of the rehab budget upfront at closing so investors can begin work immediately, and charges no interest on undrawn rehab funds.
Minimum FICO is 620. No W-2s or tax returns required. No experience necessary - first-time flippers accepted with free coaching resources provided. No prepayment penalty. 12-month terms with extension options. Closings in as little as 10 business days.
Commercial loans cover office, retail, mixed-use, and medical office at $150,000 to $2,000,000 for owner-occupied, non-owner-occupied, vacant, or leased properties. A Rehab Only program is available for investors who already own a property and need renovation-only financing. Rate matching offered on competitive quotes.
Key Differentiators
Why investors choose this lender:
- 20% of rehab budget released upfront at closing - start work on day one - most hard money lenders hold 100% of the rehab budget in fund control and release nothing until the first draw inspection is completed; BridgeWell releases 20% of the rehab budget at closing so investors can mobilize contractors and begin work the same week as close, eliminating the most common project startup delay
- No interest on undrawn rehab funds - reduces carry cost on larger renovations - BridgeWell charges interest only on the drawn portion of the rehab budget at any given time; on a $300,000 rehab project with funds drawn over 6 months, this can save thousands in unnecessary interest carry compared to lenders that charge interest on the full committed rehab balance from day one
- Rate matching - competitive pricing guaranteed across all 20 states - BridgeWell offers price matching on competitor hard money quotes; if a borrower receives a better rate elsewhere, BridgeWell will match it; this removes the rate shopping friction for repeat investors and signals confidence in their competitive positioning
- No experience required - free coaching resources for new investors - BridgeWell explicitly targets first-time flippers alongside experienced operators; the firm provides free downloadable resources covering credit improvement, leverage strategy, and deal analysis alongside the loan; a meaningful differentiator for building long-term borrower loyalty from the first deal
- $500M+ deployed since 2008, BBB A+ rated, 124+ Google reviews - one of the more established direct hard money platforms in the 20-state footprint; the combination of volume, BBB standing, and verified Google reviews creates credibility that supports first-time borrower conversion
- Rehab Only program - stand-alone renovation financing for existing owners - BridgeWell offers a dedicated Rehab Only loan for investors who already own the property and need to finance the renovation budget separately, without a purchase component; useful for investors who acquired with cash or other financing and need to pull in rehab capital post-close
Where They Lend
20 States
20 states: Colorado, Illinois, Massachusetts, Virginia, Connecticut, Indiana, North Carolina, Tennessee, Florida, Iowa, Pennsylvania, South Carolina, Georgia, Kansas, Ohio, Wyoming, Idaho, Kentucky, Oklahoma, and Wisconsin. Residential fix-and-flip, commercial, and cash-out refi. 620 min FICO.
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Loan Types, Structures and Terms
$100,000 to $2,000,000
Typical Loan Amounts
10% to 13%
Typical Interest Rates
Fix-and-flip: up to 75% LTV, 100% rehab funded, $100K-$2M, 10-13% APR, 12 months, 20% rehab upfront. Cash-out refi: investment properties any purpose. Commercial: $150K-$2M, office/retail/mixed-use. Rehab Only program available. 620 min FICO. 20 states.
BridgeWell Capital fix-and-flip loans fund $100,000 to $2,000,000 at up to 75% LTV with 100% of rehab costs covered across 20 states. 10-13% APR, 1.5-3% origination, 12-month term, 20% of rehab released upfront at closing, no interest on undrawn funds. 620 min FICO, no experience required.
| Fix & Flip Feature | Structure & Terms |
|---|
| Loan Amount | $100,000 to $2,000,000 | Min purchase price: $75,000 |
| Max LTV / Rehab | Up to 75% LTV on purchase | 100% of rehab budget funded |
| Interest Rate | 10-13% APR | Interest on drawn amounts only - no interest on undrawn rehab funds |
| Origination Fee | 1.5 to 3% | Free application | Rate matching available |
| Loan Term | 12 months + extension option | No prepayment penalty |
| Rehab Upfront | 20% of rehab budget released at closing - start work on day one |
| Speed to Close | As fast as 10 business days | Streamlined approvals, no red tape |
| Borrower Requirements | 620+ FICO | No experience required | No W-2s or tax returns | 20 states |
BridgeWell Capital cash-out refinance and commercial bridge loans cover investment properties for any purpose, plus office, retail, mixed-use, and medical office at $150,000 to $2,000,000 across 20 states. No W-2s or tax returns. 620 min FICO. Close in 10 business days.
| Bridge Loan Feature | Structure & Terms |
|---|
| Cash-Out Refi | Cash-out refinance on investment properties for any purpose. No restrictions on use of proceeds from investment property equity. |
| Commercial Bridge | Office, retail, mixed-use, medical office. $150,000 to $2,000,000. Owner-occupied, non-owner-occupied, vacant, or leased properties all eligible. |
| Rehab Only | Rehab Only program available for investors who already own the subject property and need stand-alone renovation financing without a purchase component. |
| Speed to Close | As fast as 10 business days. Streamlined application process with no red tape. Free application on all loan types. |
| Borrower Requirements | 620 min FICO | No W-2s or tax returns | Asset-based underwriting | Rate matching available |
| Geographic Coverage | 20 states: CO, IL, MA, VA, CT, IN, NC, TN, FL, IA, PA, SC, GA, KS, OH, WY, ID, KY, OK, WI |
Don't lose the deal waiting on financing. Apply now and get pre-approved today.
Borrower Qualifications (Are you qualified?)
BridgeWell Capital requires a 620 minimum FICO. No W-2s, no tax returns, no experience required. Free application. 20% of rehab budget released upfront at closing. No interest on undrawn funds. Rate matching available. $75,000 minimum purchase price.
| Qualification Parameter | Lender Requirements |
|---|
| Minimum Credit Score | 620 minimum FICO. Credit score is reviewed but asset-based underwriting is primary. No W-2s or tax returns required. |
| Experience Level | No experience required. First-time flippers welcome. BridgeWell provides free coaching resources for newer investors alongside the loan. |
| Income Verification | No W-2s or tax returns required. Asset-based approval focused on property value and project plan. |
| Application Fee | Free. No application fee on fix-and-flip loans. Rate matching available - BridgeWell will match competitor rates. |
| Minimum Purchase Price | $75,000 minimum purchase price. Loan amounts from $100,000 to $2,000,000. |
| Rehab Upfront | 20% of rehab budget released upfront at closing to fund the first phase of construction immediately. No interest charged on undrawn rehab funds. |
Underwriting Process (How long will it take to get approved?)
BridgeWell Capital closes in as little as 10 business days with no red tape, no W-2s, no tax returns. 620 min FICO. Streamlined application - free to apply. Rate matching available. Asset-based underwriting with no experience required.
| Stage / Requirement | Process & Timelines |
|---|
| Apply | Free application at bridgewellcapital.com/apply-now. Streamlined process - no red tape, no W-2s, no tax returns required at any stage. |
| Credit Review | 620 minimum FICO. Asset-based underwriting is primary. Prior experience not required - first-time flippers reviewed on the same criteria as seasoned investors. |
| Rate Matching | Competitive rate matching offered. Bring a competing hard money quote and BridgeWell will match it on eligible transactions. |
| Speed to Close | Close in as little as 10 business days. Streamlined approvals and fast turnaround designed for competitive real estate markets. |
| Rehab Disbursement | 20% of rehab budget released at closing. Remaining funds released on draws. No interest on undrawn rehab funds at any point in the project. |
Draw Process (How long will it take to get draws?)
BridgeWell Capital releases 20% of the rehab budget upfront at closing so investors can begin work immediately. Remaining rehab funds held and released on draws as construction milestones are completed. No interest charged on undrawn rehab funds at any point in the project - only drawn amounts accrue interest.
| Operational Step | Methodology & Timelines |
|---|
| Upfront Rehab Release | 20% of the rehab budget released at closing - investors start work on day one without waiting for the first draw inspection. |
| No Interest on Undrawn Funds | Interest accrues only on drawn amounts. The full undrawn rehab balance does not accrue interest - reducing carry cost throughout the renovation phase. |
| Draw Process | Remaining rehab funds released on milestone draws as construction progresses. Streamlined draw process designed to keep contractor timelines on track. |
| Rehab Only Loans | BridgeWell also offers Rehab Only loans for investors who already own the property and need separate financing for the renovation budget alone. |
| FlipperForce Integration | Use FlipperForce's Project Budgeter and Scheduler to track live budget variance and map contractor milestones against BridgeWell's draw schedule across all 20 states. |
