Iron Bridge funds up to 70% of ARV and up to 100% of project costs with a 10% borrower contribution. No third-party approvals — all underwriting, servicing, and draw processing is done in-house. Established borrowers can fund in 2–5 days, with 24-hour funding possible on a completed package.
| Fix & Flip Feature | Structure & Terms |
|---|
| Loan-to-ARV | Up to 70% of estimated after-repair value |
| Project Costs Funded | Up to 100% of project costs |
| Borrower Contribution | 10% minimum |
| Loan Term | 6 to 12 months, interest only. No hidden fees. |
| Funding Speed | • First-time borrowers: approved quickly
• Established borrowers: 2–5 days
• Completed package: as fast as 24 hours |
| Draw Processing | In-house, goal of under 7 days from complete draw request. Interest charged only on funds drawn. |
| Lien Position | 1st lien only |
| Third-Party Approvals | None — portfolio lender with in-house underwriting and servicing |
| Property Types | Single-family and multi-family residential; non-owner occupied; distressed properties, REO, auction, short sale, off-market, MLS |
Iron Bridge funds up to 100% of construction budgets with interest charged only on funds drawn. In-house draw processing targets under 7 days. 6–12 month terms, up to 70% of completed value, 10% borrower contribution required.
| Construction Feature | Structure & Terms |
|---|
| Construction Budget Funded | Up to 100% of construction budget |
| Interest Charged | Only on funds actually drawn — not on undisbursed commitment |
| Loan-to-ARV | Up to 70% of estimated after-repair/completed value |
| Loan Term | 6 to 12 months, interest only |
| Draw Processing | In-house — goal of under 7 days from complete draw request |
| Borrower Contribution | 10% minimum |
| Property Types | New construction of single-family or multi-family residential; non-owner occupied |
| Third-Party Approvals | None — fully in-house portfolio lender |
Iron Bridge bridge loans fund in 2–5 days for established borrowers, with no third-party approvals required. Up to 70% ARV, 6–12 months interest only. In-house underwriting and servicing from approval through payoff.
| Bridge Loan Feature | Structure & Terms |
|---|
| Loan-to-ARV | Up to 70% of estimated after-repair value |
| Loan Term | 6 to 12 months, interest only. No hidden fees. |
| Funding Speed | Established borrowers: 2–5 days | Completed package: as fast as 24 hours |
| Underwriting | Fully in-house — no brokers, no third-party approvals, direct access to decision makers |
| Lien Position | 1st lien only |
| Property Types | Non-owner occupied SFR and multifamily residential |
| Licenses | NMLS: 854231 | OML: ML-5106 | CFL: 603I808 |
