When a deal is closing and time is everything, Upstart Advance delivers. Our bridge loan program is built for speed — fully transparent terms, no hidden fees, and funding in your account within 24 hours of approval.
A bridge loan is a short-term financing solution that provides immediate capital while you arrange longer-term funding or wait for an existing asset to sell or refinance. They're called "bridge" loans because they literally bridge the gap between where you are and where you're going.
At Upstart Advance, our bridge loans are designed for speed and flexibility. We use asset-based underwriting — evaluating the value of your property or business assets — which means we can move faster and accommodate borrowers who may not qualify for conventional financing due to credit history, income documentation, or timing.
Every deal is handled with complete transparency. Before you sign anything, your advisor will walk you through the full structure: rate, fees, term, and repayment. No surprises. No runaround. Just capital when you need it.
Bridge loans aren't a last resort — they're a strategic tool that sophisticated investors and business owners use every day to move faster than the competition.
Found the right property but your permanent financing isn't lined up yet? A bridge loan lets you close now and secure the deal — then refinance into a conventional loan once the asset is stabilized or the timing is right.
Auctions, distressed sales, and off-market deals don't wait for slow lenders. Our 24-hour funding timeline means you can move confidently when other buyers can't.
When a construction project needs capital before a permanent loan kicks in, a bridge loan keeps the work moving. Common in fix-and-flip, ground-up construction, and value-add projects.
Once approved, funds are wired directly to your account within 24 hours. We've built our entire process around eliminating delays so you never miss a deal because of a slow lender.
Every fee, rate, and term is disclosed upfront — clearly explained by your dedicated advisor before you sign anything. Our clients consistently highlight our transparency as the defining reason they trust us.
We evaluate the strength of your collateral and deal, not just your credit score. This opens the door to borrowers who conventional lenders would decline despite having solid underlying assets.
A single point of contact manages your deal from inquiry to funding. No handoffs, no phone trees. The same advisor who takes your first call is the one who confirms your wire.
As direct lenders, we make our own credit decisions. There's no third-party committee to slow things down. You're working with the people who say yes — and we say it fast.
Bridge loans can be structured with interest-only payments during the term, allowing you to preserve cash flow while the underlying asset is stabilized or sold.
Our streamlined bridge loan process eliminates unnecessary steps and keeps things moving from the first call to the wire.
Tell us about your deal. We assess the property or asset, deal structure, and your timeline in a 15–30 minute conversation.
We issue a clear, transparent term sheet outlining the loan amount, rate, fees, and term. No vague language, no surprises.
Our team completes a rapid asset-based underwriting review. We focus on the deal's fundamentals, not just credit scores.
Upon approval and completed paperwork, funds are wired directly to your account within 24 hours. Deal closed.
Once your deal is approved and all required documentation is in order, funds are wired to your account within 24 hours. The initial review and term sheet can be issued the same day you contact us. We've built our entire operation around eliminating delays — this is not a marketing claim, it's our standard.
Because we use asset-based underwriting, credit score is not the primary qualification factor. We focus on the strength of the underlying collateral — the property value, equity position, and deal structure. Borrowers with imperfect credit can and do qualify for our bridge loan program based on solid deals.
Absolutely not. Transparency is a core value at Upstart Advance — not a talking point. Every origination fee, interest rate, and closing cost is disclosed in the term sheet before you commit to anything. Your advisor will walk you through every line item. If something isn't clear, we explain it until it is.
We work with commercial real estate (office, retail, industrial, mixed-use), multifamily properties, fix-and-flip residential investment properties, and business assets. Each deal is evaluated individually. Contact us to discuss your specific situation and we'll let you know quickly whether it's a fit.
Our bridge loan specialists are standing by. Reach out now and we can issue a term sheet the same day.