Call: 212-537-5833

Text: 917-267-9523

West Forest Capital

West Palm Beach Bridge Loans

Rates Starting at 10%

The fastest Bridge Lender in the greater West Palm Beach area and the state of Florida.

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 Size$100,000 to $5,000,000
LTCUp to 80% of purchase price
Rehab Funding 100%
LTVUp to 70% of the ARV
TermStandard is 12 months. 24-36 months is available
LienFirst lien; second lien as additional collateral only
Interest Rate 10%–12.5%
Points1.5–2% of the loan amount

Counties Covered

We provide Bridge Loans in the following counties in West Palm Beach:

  • Hudson County
  • Bergen County
  • Passaic County
  • Essex County
  • Morris County
  • Sussex County
  • Warren County
  • Union County
  • Somerset County
  • Middlesex County
  • Hunterdon County
  • Mercer County
  • Monmouth County
  • Burlington County
  • Ocean County
  • Atlantic County
  • Cape May County

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 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 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. While we might check your credit history, most of our lending criteria are around 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 and not in your personal name. Our bridge loans are always made to your business.

Why Choose a West Palm Beach Bridge Lender

Get the trusted experience of a West Palm Beach bridge lender, combining an old-world personal touch with lightning-fast technology, decision-making, and loan processing. We are a one-stop solution for all your real estate funding needs, including fix and flips, mixed-use, commercial, or industrial properties.

Financing Your West Palm Beach Real Estate Investment

Whether you require a bridge loan in the northern, central, southern, or coastal areas of West Palm Beach or Florida, our coverage extends across the entire city and state. As a local lender, we possess an in-depth understanding of West Palm Beach’s specific town ordinances and zoning regulations, enabling us to expertly navigate these requirements on your behalf. Additionally, partnering with us as your lending institution provides you with access to our extensive network of contractors, appraisers, legal consultants, and brokers. This network provides invaluable resources to bolster your financial objectives.

Bridge Lender for Asset-Based Real Estate Loans

Our bridge lending program can fund smaller single-family homes, retail stores, or larger office buildings and warehouses. Loan terms range from 12 to 36 months. If you need a short-duration loan of only a couple of months, we can help. No situation is too complex. When others pass, we fund.

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A West Palm Beach direct lender you can rely on


A West Palm Beach bridge loan is a loan from a non-bank financial institution that primarily focuses on property value when extending short-term financing for real estate investments. They prioritize the asset’s worth over borrower qualifications, which sets them apart from traditional bank lenders.

As a West Palm Beach bridge loan lender, we offer quick funding solutions and specialize in properties that traditional banks might not consider due to factors like credit scores or property conditions. We also bring local expertise to the table, helping borrowers navigate the specific regulations of West Palm Beach, and providing access to professional networks, including contractors, appraisers, legal advisors, and brokers.

Using bridge loan lenders in West Palm Beach offers several specific benefits, including:

  • Rapid Funding: We can provide faster approval and funding, usually within 1 to 2 weeks, compared to traditional banks.
  • Flexible Property Financing: We are open to financing properties that banks might reject, such as those in need of extensive renovations or those with structural issues.
  • Low Credit Requirements: We can be more accommodating to borrowers with lower credit scores.
  • Local Expertise: We possess local knowledge that simplifies the loan process by ensuring compliance with West Palm Beach’s specific regulations.
  • Access to a Network: Borrowers gain access to a network of professionals, such as contractors, appraisers, legal advisors, and brokers, who can facilitate their real estate investment projects.
Bridge loans offer quick access to funds that can be used to purchase a new property before selling an existing one. Once the old property is sold, the proceeds are used to pay off the bridge loan.
Bridge loans usually have terms ranging from a few months to a year, though some might extend up to 24 months. The duration depends on the specific terms of your loan.
Interest rates for bridge loans are between 8% and 10%.
While creditworthiness is a factor, we can offer bridge loans to borrowers with lower credit scores. However, having a strong credit history can improve your chances of securing a bridge loan with favorable terms.
Bridge loans can typically be used for various types of properties, including residential, commercial, and investment properties. However, eligibility might vary among lenders.
If you can’t sell your old property before the bridge loan term ends, you might have several options, including refinancing the bridge loan or extending its term.
Bridge loans can be beneficial for certain individuals who need temporary financing for real estate transactions.
Bridge loans provide quick access to funds at interest rates ranging from 10-12%. Borrowers can expect to pay 1 to 3 points at closing. These loans usually have a duration of 12 to 24 months, with 12 months being common. The loan typically covers 65% to 80% of the purchase price, with 100% financing available for rehabilitation costs. Rehab funds are usually disbursed in stages, such as releasing $10,000 after each completed portion of the work.
The typical loan-to-value (LTV) ratio offered for bridge loans in West Palm Beach is often around 75% of the ARV (After Repair Value). This is the estimated value of the property after it has been renovated or repaired. We are typically willing to provide financing equivalent to 75% of the projected post-renovation value of the property. However, LTV ratios can vary depending on the type of property and the borrower’s financial profile.
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