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West Forest Capital

Connecticut Bridge Loans

Rates Starting at 10%

The fastest Bridge Lender in the state of Connecticut.

We lend directly using our own capital

  • Instant pre-approval on the phone
  • Funding typically within one week; two weeks for larger loans
  • Loan amounts up to $10 million

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(Investment Properties Only)

Property Types

Lending Parameters

Loan SizeUp to $10 million
Loan to purchase (residential)80% of Purchase Price
Loan to purchase (commercial/industrial)70% of Purchase Price
Rehab Funding 100%
LTV75% of the ARV
Term1 to 3 years
LienFirst lien; additional second liens accepted
Existing AppraisalsAccepted
Interest Rate 8%–10%
Points1–3% of the loan amount

Counties Covered

Recently Funded Bridge Loans

Why Use a Bridge Loan

  1. Much faster funding times. We operate on a completely different schedule than banks because we only underwrite the value of the property.  This means funding times within 7 days for most deals.  We can even fund in 2-3 days if you have an existing appraisal.
  2. Force appreciation. Investors looking to create value will look to buy properties that have below market rents or need substantial rehab.  While banks will not fund to the full potential of these properties (if they can fund at all), we will.  Our bridge loans allow you to get temporary funding to stabilize the properties before refinancing with a bank or flipping.
  3. Rebuilding Credit.  Together with you, we are in the real estate business, not the personal credit business.  While we may check your credit history, most of our lending criteria surrounds the property itself.  We offer bridge loans even if you have bad credit.
  4. Funding for your business.  As a real estate investor, it’s best to avoid liability by holding assets in an LLC not in your personal name.  Our bridge loans are always made to your business.

Why Choose a Connecticut Bridge Lender

We are proud to offer Bridge Loans to real estate investors in Connecticut with no restrictions on location or property type.  We are familiar with all counties in Connecticut: Fairfield, Hartford, Litchfield, Middlesex, New Haven, New London, Tolland, or Windham.  Our focus is on providing short term Bridge Loans on single-family homes, residential condo buildings, mixed use retail space, office buildings, commercial properties, and industrial properties.  Because we are a local CT lender that understands the market, we rely on the property and not personal credit.  As such, we have no minimum FICO requirements. 

Financing Your Connecticut Real Estate Investment

The Connecticut Real Estate Investment market is thriving, and we can help you participate in its upside.  Not only are we a local Bridge Lender in CT, but we exclusively provide Bridge Loans on investment properties only.  This means that we are not distracted with nationwide lending regulations, or mortgages that must conform to Fannie Mae or Freddie Mac.

As such, we can provide the quickest Bridge Loan closing times in CT. The average Bridge Loan takes about 7 days to fund, with larger Bridge Loans, up to $10m, taking about two weeks.

Importantly, if you were not approved for a loan with a bank, we do accept existing appraisals, so you will not need to pay for another one.

Bridge Lender for Asset-Based Real Estate Loans

Our bridge lending program is available to fund single-family homes and condos, retail developments, office, warehouse, commercial or industrial space.  We offer rock bottom rates while delivering extremely fast service without the red tape (our entire loan application is 1 page).

Loan terms range from 12 to 36 months.  If you have a need for a very short duration loan of only a couple of months, we can help there as well.

To help achieve your goals, we accept second liens as additional collateral on a case-by-case basis.

No situation is too complex.  When others pass, we fund.


Connecticut bridge loan lenders are non-bank lenders that make loans based on the value of the collateral. They lend on investment real estate and evaluate the underlying property much more than the borrower when making lending decisions. The opposite is true with a bank loan. While both banks and bridge lenders issue mortgage loans, the lending criteria for a bridge loan are significantly different from that of a bank:

Shorter Underwriting Process. The underwriting process for a bridge loan is significantly shorter than a bank’s underwriting process. A Connecticut bridge loan can often be funded within 1 to 2 weeks. Banks, however, could take anywhere from 3 to 4 months.

More Property Funding Options. Bridge loans can fund properties requiring a significant amount of rehab, properties missing important features such as kitchen or bathrooms, properties with code violations, missing a CO, or with structural issues. Most of these situations will not be funded by banks, which makes a Connecticut bridge loan the perfect solution.

Bridge loan lenders can also issue loans to real estate investors who are needing to cash out on a property and refinance any current lender debt.

Accessible with Low Credit. One of the best features of a Connecticut bridge loan is that borrowers do not need to have a high credit score. Most traditional banks will not lend to a borrower with a FICO score on the lower end.

Bridge loan lenders make the loan process as fast and straightforward as possible. Because bridge loans can be issued much more quickly than a bank loan, the interest rates will vary between 8% and 11%.

Additionally, Connecticut borrowers can expect there to be anywhere from 1 to 3 points charged at closing, and the typical duration of the loan is 12 to 24 months, with 12 being the most common. The total loan amount, which includes funds for the property purchase and funds for the rehab, should not exceed approximately 67% of the property After-Repair-Value (ARV).

A bridge loan will involve funding a portion of the purchase price, and when applicable, funding any rehab that needs to be done. The loan amount is between 70% to 85% of the purchase price, depending on the property type, plus 100% of the rehab required. The rehab portion is distributed in arrears once a portion of the work is completed. For example, if the total rehab amount for the property is $60,000, the borrower will complete the first round of work for $20,000 and request the draw. Once that amount is used on the next portion of work, the borrower can request an additional $20,000, and so on.

At the closing of a Connecticut bridge loan, the borrower will need to affirm they will not reside in the property. Renting the property out is permitted.

Connecticut bridge loan lenders at West Forest Capital often require the following:

  • LLC Registrations: Bridge lenders only make loans to LLCs (rather than to individuals). This is because the loans are considered commercial loans.
  • Properties Purchased at Below Market Value: This is helpful when applying for a bridge loan, as it creates equity for the borrower, and functions as additional collateral for the lender. Bridge lenders will want to ensure both the purchase price and the ARV are within the estimated range provided by the borrower. An appraisal will be ordered to assess this.
  • Repairs are Being Completed According to Schedule: This applies to loans that will be used for property rehab purposes in addition to funding the purchase price. The rehab schedule will need to list out the scope of work and associated costs and should be followed closely.
  • Clean Title Report: It is important for a bridge lender’s collateral lien to be in the first position, so a clean title report is needed.

Additionally, the bridge loan must make sense for both the bridge lender and the borrower. This means that the purchase price should be low enough that when added to rehab costs and soft costs (such as closing fees and interest), there is enough spread in the deal to make it profitable for the borrower.  If that is the case, the lender will likely agree to fund the loan.

Connecticut bridge loans can be used for a variety of purposes, which include:

  • Fix-and-Flip Properties: These often include properties that traditional banks refuse to lend on (due to poor credit, poor borrower, or the property itself not meeting the requirements of the bank’s underwriting standards).
  • Below-Market Rent Properties: This includes properties with lower than expected rents or difficult or delinquent tenants.  Once the property is stabilized (rents raised, tenant issues resolved, or evictions processed) it can be refinanced with a bank.
  • Funding Investment Real Estate Purchases Quickly:  When investment real estate purchases need to be funded in a short timeframe, bridge loans can help. Banks often take 3 to 4 months or longer to issue a loan, whereas bridge loan lenders can issue the loan within 1 to 2 weeks.
  • Refinancing: This can include cash-out refinancing for the purpose of raising money quickly for additional real estate or other investments, or refinancing an existing maturing mortgage.
  • Purchasing property under an LLC. For those with an LLC looking to receive funding, a bridge loan can be helpful as traditional banks rarely fund LLCs.

West Forest Capital is the fastest Bridge Lender in Connecticut

Connecticut Bridge Loan Lender

We fund Bridge Loans in one week.
Commercial and industrial loans are funded in two weeks.

If you are looking for a Connecticut Bridge Lender, give us a call.

Submit a loan request

A Connecticut direct lender you can rely on

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