In the contemporary landscape of high-stakes real estate—where asset valuations frequently surpass the $2 million threshold and often climb into the tens of millions—market dynamics diverge sharply from the conventional housing sector. High-net-worth individuals (HNWIs), real estate developers, and institutional investors encounter a unique economic friction best described as the “liquidity paradox.” These entities often possess substantial balance sheet wealth, comprised of equity in existing real estate portfolios, securities, and business interests. However, they frequently lack the immediate, unrestricted cash liquidity required to execute rapid transactions in hyper-competitive markets. As the financial landscape of 2025 matures, the tension between asset-rich portfolios and the necessity for transaction velocity has elevated the Luxury Single-Family Bridge Loan from a niche financial instrument to a cornerstone of sophisticated real estate acquisition and management strategy.
This report provides an exhaustive, expert-level analysis of the luxury bridge lending ecosystem, meticulously tailored for the clients and partners of Capital Funding Financial. We dissect the mechanics of short-term asset-based lending, the strategic dominance of “buy-before-you-sell” maneuvers, and the specific utility of bridge financing in capturing alpha in high-velocity markets such as Palm Beach, Malibu, and the Hamptons. Furthermore, we analyze the shifting regulatory and economic environment of 2025—characterized by the “Condo Crisis” in Florida and the retreat of traditional banking institutions—positioning private capital solutions as the premier alternative to cumbersome traditional bank financing.
The analysis indicates that the era of cheap, ubiquitous capital from traditional banking institutions has evolved into a landscape of tightened underwriting standards. Following the banking tremors of recent years, major financial institutions have retreated from “jumbo” and “super-jumbo” mortgage origination, imposing onerous debt-to-income (DTI) requirements and prolonged underwriting timelines that are incompatible with the velocity of the luxury market.1 In this vacuum, private money lenders—specifically those backed by discretionary family office capital like Capital Funding Financial—have emerged as the liquidity providers of choice.3 By prioritizing asset value over borrower DTI, private lenders effectively bridge the gap between opportunity identification and asset acquisition.
To fully grasp the utility of luxury bridge loans, one must first understand the macroeconomic currents shaping the 2025 real estate market. The convergence of interest rate volatility, banking sector conservatism, and regional asset shifts has created a specific demand for alternative financing.
Historically, high-net-worth borrowers relied on relationship banking to secure jumbo mortgages for luxury purchases. However, the regulatory fallout from recent banking sector instabilities has led to a significant contraction in credit availability for non-conforming loans. Traditional banks, bound by strict Dodd-Frank regulations and internal risk controls, have tightened their requirements for “Jumbo” loans (mortgages exceeding the conforming limit, which is approximately $806,500 in most areas for 2025).4
The friction points with traditional lenders are manifold:
Debt-to-Income (DTI) Rigidity: Banks typically cap DTI ratios at 43%. For entrepreneurs and self-employed investors with complex tax returns (often showing high depreciation or net operating losses), proving this income is arduous, despite having significant actual cash flow.5
Underwriting Latency: The processing time for a traditional jumbo loan can range from 45 to 90 days. In markets like Miami or Los Angeles, where luxury inventory is scarce, sellers will not accept offers with such long financing contingencies.6
Collateral Limitations: Traditional banks are often unwilling to lend on properties that require significant renovation or are currently vacant, viewing them as higher risk.
This “Jumbo Mortgage Void” has necessitated the rise of private capital. Lenders like Capital Funding Financial operate outside this regulatory straitjacket, utilizing “common sense” underwriting that focuses on the collateral’s equity rather than the borrower’s tax return minutiae.7
The interest rate landscape in 2025 presents a nuanced picture. While the Federal Reserve has signaled shifts, the cost of capital remains elevated compared to the pre-2022 era.
Traditional Jumbo Rates: Hovering around 6.5% – 7%.8
Private Bridge Rates: Typically ranging from 9% to 12%.10
While private capital is more expensive nominally, the spread between bank rates and private rates has narrowed. In previous cycles, hard money might have been 14% while bank loans were 4%. Today, the difference is smaller (e.g., 6.5% vs. 10%), making the “premium” paid for the speed and flexibility of bridge financing far more palatable for luxury borrowers. Sophisticated investors view this cost not as an expense, but as the price of access to off-market deals and the ability to negotiate cash discounts.11
Private credit has exploded as an asset class, with family offices and institutional investors allocating billions to direct lending. This capital is discretionary, meaning lenders like Capital Funding Financial do not need to seek committee approval for every loan, allowing for decision-making speeds that rival cash buyers. This structural advantage is the primary driver behind the ability to close loans in as little as 7 to 14 days.3
Understanding the technical structure of a luxury single-family bridge loan is essential for borrowers to leverage it effectively. These are not standard mortgages; they are short-term commercial instruments designed for transitional phases.
A luxury single-family bridge loan is a short-term, asset-secured financing instrument designed to span the interval between an immediate capital need and a future liquidity event.12 Unlike traditional 30-year mortgages, which amortize principal over decades, bridge loans are typically interest-only structures with terms ranging from 6 to 24 months.14
Key Structural Components:
Term: typically 12 months, often with options to extend for additional 6-12 month periods.16
Amortization: Interest-Only. The borrower pays only the interest component monthly, preserving cash flow for renovations or other investments. The principal is repaid in a lump sum (balloon payment) at maturity.15
Lien Position: First lien position is standard. The lender holds the primary security interest in the property.
Recourse: This varies. While banks require full personal recourse, many private bridge loans can be structured as non-recourse or limited recourse (bad boy carve-outs), depending on leverage and sponsor strength.12
In the luxury sector, valuation is both science and art. Lenders utilize specific ratios to determine loan amounts, and understanding these is critical for maximizing leverage.
Loan-to-Value (LTV):
This ratio measures the loan amount against the current “As-Is” value of the property. For luxury bridge loans, lenders typically cap LTV at 65% to 75%.16
Example: For a property appraised at $10 million As-Is, a lender might advance $7 million (70% LTV).
Why it matters: This creates an “equity cushion” that protects the lender against market downturns.
Loan-to-Cost (LTC):
Used primarily in construction or heavy renovation projects, this measures the loan against the total cost of the project (purchase price + renovation budget).
Capital Funding Financial offers up to 90% LTC for Fix & Flip projects, significantly reducing the cash-to-close requirement for investors.18
After-Repair Value (ARV):
This is the projected value of the property after all renovations are complete. Lenders will often lend up to 70-75% of the ARV.14
Strategic Implication: If an investor buys a dated $5 million home and plans a $2 million renovation that will result in a $10 million value, a lender basing the loan on ARV can provide significantly more capital than one basing it solely on the purchase price.
The cost structure of a luxury bridge loan includes the interest rate, origination fees (points), and closing costs.
| Component | Typical Range (2025) | Notes |
| Interest Rate | 9.00% – 12.00% |
Rates are risk-adjusted based on LTV and location.10 |
| Origination Fee | 1.00% – 3.00% |
Paid at closing. Lower fees often accompany lower LTVs.16 |
| Processing/Underwriting | $1,500 – $3,000 | Standard administrative fees. |
| Prepayment Penalty | None / Minimum Interest |
Capital Funding Financial typically offers loans with no prepayment penalties, allowing borrowers to exit as soon as they are ready.3 |
Table 1: Cost Structure of Luxury Bridge Loans
While the Annualized Percentage Rate (APR) is higher than a conventional loan, the total cost of dollars is often lower because the loan is held for a short period (e.g., 4-6 months). Furthermore, the opportunity cost of missing a deal because of slow bank financing far outweighs the interest expense.
Underwriting a $500,000 tract home is fundamentally different from underwriting a $15 million waterfront estate.
Hyper-Local Valuation: Standard Automated Valuation Models (AVMs) fail in luxury markets. A property in Royal Palm Yacht & Country Club might trade at $2,000 per square foot, while a property two streets over trades at $800. Capital Funding Financial utilizes specialized appraisers who understand the value of amenities like deep-water dockage, ocean views, and architectural pedigree.19
Exit Strategy Viability: For luxury assets, the liquidity of the exit is scrutinized. Lenders analyze the “Days on Market” (DOM) for comparable high-end homes to ensure the borrower can realistically sell or refinance within the loan term.20
The utility of bridge financing extends far beyond simple acquisition. For the clients of Capital Funding Financial, these loans are tactical tools used to navigate complex financial landscapes and unlock liquidity from illiquid assets.
The most prevalent use case for luxury bridge loans is the “Buy Before You Sell” dilemma.21 HNWIs often have significant equity tied up in their primary residence—perhaps a $10 million estate in Greenwich or Beverly Hills. When a new “dream property” becomes available, they cannot wait for their current home to sell to access that equity.
The Traditional Problem:
Making an offer “contingent on the sale of a previous home” is the “kiss of death” in a competitive luxury market. Sellers interpret this contingency as uncertainty and will prioritize cleaner offers, even if they are lower in price.13
The Bridge Solution:
Equity Unlock: The borrower uses a bridge loan to unlock equity from their current home or leverages the new home’s value.
Non-Contingent Purchase: They make a non-contingent offer on the new property, effectively performing as a cash buyer.
Transition: They move into the new home, vacate the old one, and stage the old home for sale.
Value Maximization: Because they are not desperate to sell the old home to fund the closing, they can wait for the right buyer and the right price, avoiding a “fire sale” discount.13
Payoff: Proceeds from the sale of the old home pay off the bridge loan.
This strategy decouples the purchase and sale timelines, removing the stress of a simultaneous close and preventing the need for temporary housing and double moves.13
In markets like Aspen, Miami Beach, and Malibu, “cash is king.” Sellers of trophy assets often refuse to entertain financing contingencies because a failed underwriting process at the 11th hour can stigmatize a luxury listing, making it appear “tainted” to future buyers.
A bridge loan allows a borrower to present as a cash buyer. Because Capital Funding Financial underwrites the asset rather than the borrower’s global cash flow, the “proof of funds” is solid, and the closing timeline matches that of an all-cash transaction (often closing in as little as 7 days).3 This is critical in 2025, where inventory in prime locations remains tight despite broader market cooling.20
While “flipping” is often associated with mid-market homes, the “luxury flip” is a high-stakes, high-reward arena. Investors acquire dated estates in prime locations—such as 1980s builds in Boca Raton or Beverly Hills—and execute comprehensive modernizations.14
The Fix & Flip Loan Program is tailored for this:
Acquisition + Renovation: Funding covers up to 90% of the purchase price and 100% of the renovation costs.18
Draw Schedules: Funds are released in tranches as work is verified, ensuring capital efficiency.
The “Spec” Play: For vacant land or teardowns, the Ground Up Construction Program facilitates the creation of new ultra-luxury inventory. Case studies include a $4.4 million construction loan in the Royal Palm Yacht & Country Club and an $8.4 million bridge in Malibu.19
Life events often necessitate liquidity under complex legal circumstances where traditional banks fear to tread.
Divorce: A bridge loan can allow one spouse to buy out the other’s interest in a marital home before a final settlement is reached, or to purchase a new residence while the marital estate is being liquidated. This provides a clean break and immediate liquidity.15
Probate and Inheritance: Inherited properties often require maintenance or renovation before they can be sold at full value. Heirs may be asset-rich (owning the home) but cash-poor (unable to fund the renovations or pay estate taxes). A bridge loan secured by the inherited property provides the cash to settle estate taxes or fix up the property for sale.23
Reverse 1031 Exchanges: Sophisticated investors using 1031 exchanges to defer capital gains taxes may identify a replacement property before selling their relinquished property. Bridge financing facilitates this timing mismatch, ensuring the exchange timeline remains valid.
International buyers flock to US luxury markets (Miami, NYC, LA) for safe-haven capital preservation. Traditional US banks make lending to foreign nationals incredibly difficult due to the lack of a US credit footprint (FICO score).
The Private Solution: Capital Funding Financial can lend to foreign nationals (typically up to 65-75% LTV) because the security is the US-based real estate asset itself. The lender is indifferent to the borrower’s lack of US credit history, provided the asset has sufficient equity.12
Real estate is inherently local, and the application of bridge loans varies significantly by geography. In 2025, three primary markets demonstrate the highest utility for luxury bridge financing: Florida, California, and New York.
The Florida real estate market in 2025 is defined by a massive bifurcation caused by the legislative fallout from the Surfside condo collapse. New regulations require older condo buildings to fully fund their reserves, leading to astronomical special assessments and soaring HOA fees.25
The “Condo Crisis” Effect:
Liquidity Trap: Owners of older luxury condos are finding it difficult to sell as buyers shy away from the uncertainty of assessments.
The Pivot: This has driven a massive “flight to quality” toward Single-Family Homes and New Construction condos.
Bridge Loan Utility: Investors are using bridge loans to acquire distressed condos from desperate sellers at deep discounts (20-30% below previous value), paying the assessments, and holding them until the building stabilizes. Conversely, homeowners are using bridge loans to exit the condo market and purchase single-family homes in non-HOA neighborhoods in Fort Lauderdale and Miami.20
Key Sub-Markets:
Fort Lauderdale: High demand for waterfront single-family homes with yacht dockage. Bridge loans here allow for quick acquisitions of older waterfront homes for teardown or renovation.20
Palm Beach: A wealth fortress where cash offers are the norm. Bridge financing allows buyers to compete with the ultra-wealthy.
Boca Raton: The Royal Palm Yacht & Country Club case study ($4.4M construction loan) highlights the demand for new inventory in established luxury enclaves.19
California’s luxury markets—Malibu, Los Angeles, San Francisco—are characterized by extreme price points and fierce competition.
Inventory Shortage: High-quality inventory remains historically low. When a property hits the market in Malibu, multiple offers are generated within days.
The 7-Day Close: In these markets, a 30-day closing timeline is often considered “slow.” Bridge loans that can fund in 7 days (as seen in the $8.4M Malibu case study) provide the necessary velocity to win the bid.19
Regulatory Nuance: California has strict regulations differentiating between “consumer purpose” (owner-occupied) and “business purpose” (investment) loans. Capital Funding Financial specializes in business-purpose loans for investors (Fix & Flip, Spec Construction, Rentals), which allows for faster underwriting without the TRID (TILA-RESPA Integrated Disclosure) delays that affect consumer loans.26
The Hamptons market is highly seasonal and driven by Wall Street bonus cycles.
The “Privacy” Factor: High-profile buyers (e.g., the former NHL players in the Montauk case study) often prefer private lending to keep their financial details out of the public banking system’s rigorous credit checks.19
Renovation Value-Add: Many Hamptons properties are legally restricted in terms of expansion due to zoning and wetlands. Investors use bridge loans to renovate existing footprints to ultra-luxury standards, maximizing value within the existing envelope.
For investors and borrowers navigating the Capital Funding Financial platform, understanding the specific segmentation of loan products is vital for selecting the right vehicle.
This is the flagship offering for investors needing speed and flexibility.
Target Audience: Real estate investors needing fast funding when traditional financing fails or is too slow.3
Key Features: Fast closing (7-14 days), asset-based underwriting, no income verification.
Use Case: Purchasing a distressed luxury asset, closing quickly to beat a competing offer, or refinancing a maturing loan.
Learn More: Investors should review the specific criteria in the (https://capitalfunding.com/services/hard-money-loan-program/).
With existing luxury inventory scarce, many investors are choosing to build new.
Target Audience: Developers with entitled or shovel-ready land.3
Key Features: Financing for land acquisition and vertical construction. As noted in the Delray Beach ($2.73M) and Jupiter ($10.5M) case studies, this program supports high-specification builds.19
Structure: Interest is typically charged only on the funds drawn, not the committed amount, improving the developer’s yield.
Learn More: For details on draw schedules and “shovel-ready” definitions, visit the Ground Up Construction Program.
Target Audience: Investors purchasing properties to renovate and resell.18
Key Features: Offers up to 90% Loan-to-Cost (LTC), significantly reducing the equity check an investor must write. This allows for diversification—splitting capital across two or three projects rather than sinking it all into one.
Renovation Funding: 100% of the renovation budget is typically funded in arrears via draw requests.
Learn More: Analyzing the Fix & Flip Loan Program is essential for investors looking to scale their renovation pipeline.
While this report focuses on single-family, many HNWIs also hold diversified commercial portfolios.
Target Audience: Investors in value-add or non-stabilized commercial assets (office, retail, multifamily, mixed-use).3
Use Case: Repositioning a multifamily asset, stabilizing a retail center before a permanent refinance.
Learn More: Diversified investors can leverage the (https://capitalfunding.com/services/commercial-bridge-loan-program/) for their broader portfolio needs.
It is crucial to distinguish this from the short-term bridge offerings.
Target Audience: Homebuyers seeking a 30-year fixed product for their primary or secondary residence.27
Key Features: Unlike the short-term bridge, this is a long-term solution. It offers flexible income documentation options (Bank Statements, P&L, No-Doc) for self-employed borrowers who cannot qualify for conventional Fannie/Freddie loans.
Learn More: Explore the (https://capitalfunding.com/services/primary-residence-program/).
To understand the value proposition of a luxury bridge loan, one must compare it against the alternatives available to a high-net-worth borrower. The following analysis highlights the trade-offs between cost, speed, and qualification difficulty.
Jumbo Mortgages are traditional loans that exceed the conforming loan limits.
Pros: Lower interest rates (approx. 6.5%).9
Cons: Rigorous DTI requirements (usually max 43%), strict reserve requirements (12+ months), and slow closing (45-60 days).5
The Bridge Edge: Bridge loans bypass the DTI trap. Many HNWIs have complex income structures (self-employment, capital gains, net operating losses) that look “risky” to a bank algorithm despite high net worth. Private bridge lenders ignore the tax return complexity and focus on the equity.7
Home Equity Lines of Credit (HELOCs) allow borrowing against equity in a primary residence.
Pros: Lower rates, revolving access.
Cons: Banks are increasingly freezing or reducing HELOC limits in volatile markets. Qualifying for a multi-million dollar HELOC is difficult and requires the same income verification as a primary mortgage.28 Most HELOCs are capped at $500k-$1M, which is often insufficient for luxury down payments.
The Bridge Edge: A bridge loan provides a large lump sum immediately (e.g., $5M+) and can be secured by non-owner-occupied investment properties, which many HELOCs cannot.28
Investors holding large stock or bond portfolios could liquidate assets to buy real estate.
Cons: Liquidation triggers capital gains taxes (potentially 20% federal + state). It also removes the capital from the market, potentially missing out on portfolio growth.
The Bridge Edge: Borrowing at 10% interest on a bridge loan is often cheaper than paying 25% in capital gains taxes and losing market position. It allows the “deferral” of tax events until a more strategic time.
| Feature | Private Bridge Loan | Traditional Jumbo Loan | HELOC | Securities Liquidation |
| Speed to Funding | 7-14 Days | 45-60 Days | 30-45 Days | 3-5 Days |
| Interest Rate | 9% – 12% | 6.5% – 7.5% | Prime + Margin | N/A (Opportunity Cost) |
| Max Loan Amount | $50M+ | Typically $3M-$5M | Typically <$1M | Portfolio Dependent |
| Documentation | Asset-Based (Low Doc) | Full Tax Returns | Full Tax Returns | None |
| LTV Limit | 65-75% | 70-80% | 80% CLTV | 100% of value |
| Tax Impact | Interest Deductible (Biz) | Interest Deductible (Limited) | Interest Deductible (Limited) | Capital Gains Tax Triggered |
Table 2: Comparative Analysis of Luxury Financing Options
While powerful, luxury bridge loans carry risks that must be managed. Sophisticated borrowers use these loans with a clear “Exit Strategy” in mind—a definitive plan for how the loan will be repaid at maturity.
If the renovation takes longer than expected (a common issue in luxury construction due to permit delays or material shortages), the borrower may run into the loan maturity date.
Mitigation: Ensure the loan has extension options. Many Capital Funding Financial loans offer 6-month extension riders, provided the loan is current and the project is progressing.17 Borrowers should also build a contingency buffer into their timeline.
If the real estate market softens, the projected After-Repair Value (ARV) may not be realized.
Mitigation: Borrow at a conservative LTV (e.g., 65-70%) to ensure there is an equity cushion even if prices drop.29 Investors should stress-test their models: “If the market drops 10%, do I still break even?”
If the exit strategy is refinancing into a long-term loan, rising rates can make the permanent loan more expensive than anticipated, potentially breaking the Debt Service Coverage Ratio (DSCR).
Mitigation: Run debt service coverage analysis at rates 2% higher than current market rates to “stress test” the exit.30 Alternatively, use the (https://capitalfunding.com/services/primary-residence-program/) or (https://capitalfunding.com/) to lock in long-term financing immediately upon stabilization.
Often, a primary lender may only cover 70-75% of the project cost. Gap Funding covers the “gap” between the primary loan and the total capital required, often taking a second lien position.31
Risk: Gap funding is expensive (often 12-15% + points).
Solution: Capital Funding Financial often eliminates the need for external gap funding by offering higher leverage (up to 90% LTC on Fix & Flip) within a single loan structure, simplifying the capital stack and reducing cost.18
The following case studies, drawn from Capital Funding Financial’s track record, illustrate the versatility of the luxury bridge loan in real-world scenarios.
Scenario: An investor identified an oceanfront home in Malibu, CA, valued at over $12 million. The market was fiercely competitive, and the seller demanded a quick close without contingencies.
Solution: Capital Funding Financial provided an $8.4 million bridge loan.
Mechanism: The loan was underwritten based on the asset’s prime location and value. The borrower’s complex income streams were not a barrier.
Outcome: The investor secured the trophy asset in under two weeks, bypassing a lengthy bank underwriting process that would have likely caused them to lose the deal.19
Scenario: A developer in Boca Raton, FL, possessed a prime lot but needed capital for vertical construction of a luxury spec home.
Solution: A $4.4 million construction loan was funded.
Insight: This illustrates the Ground Up Construction Program in action. The lender understood the ultra-high value of the Royal Palm neighborhood, allowing for a loan amount that a generic lender might have capped significantly lower due to lack of comparable sales in lower-tier neighborhoods.19
Scenario: Two former NHL players identified a luxury asset in Montauk, NY.
Solution: A $2.975 million bridge loan funded in under two weeks.19
Insight: This highlights the “Privacy” aspect. High-profile individuals often prefer private lending to keep their financial details out of the public banking system’s rigorous credit checks and to maintain confidentiality.
Scenario: An investor sought to acquire a 6-unit oceanfront short-term rental property in Myrtle Beach, SC.
Solution: Capital Funding Financial provided a $2.55 million bridge loan to close the $3.9 million acquisition in two weeks.
Insight: This demonstrates the utility of bridge loans for income-generating assets in vacation markets. The speed of the bridge loan allowed the investor to take over the property before the peak rental season began, maximizing immediate revenue.19
Beyond the mathematical and structural advantages, there is a profound “psychological” alpha to luxury bridge lending that is often overlooked.
Stress Reduction:
The ability to move without a contingency eliminates the “domino effect” anxiety where a delay in selling Home A causes the loss of Home B. For HNWIs, whose time is often their most valuable asset, the reduction of transaction friction is worth the premium cost of the loan.
Negotiation Leverage:
Walking into a negotiation with “cash” (bridge funds) changes the dynamic. The buyer is no longer asking the seller for permission (via a financing contingency) but offering a solution (a quick, certain close). In luxury markets, where sellers often value privacy and certainty over the absolute highest price, this psychological advantage often translates into a 3-5% price discount.
Example: On a $5 million home, a 5% discount is $250,000. If the bridge loan costs $100,000 in interest and fees over 6 months, the borrower is still net positive $150,000, while securing the home they wanted.33
The luxury real estate market of 2025 is defined by a dichotomy: the sluggishness of traditional banking versus the agility of private capital. For the high-net-worth investor, the Luxury Single-Family Bridge Loan is not merely a stopgap—it is a strategic weapon. It converts real estate equity into liquid power, allows for the capture of distressed or time-sensitive opportunities, and offers a shield against the invasive and slow processes of conventional finance.
Capital Funding Financial stands at the forefront of this shift. By offering a suite of products ranging from the (https://capitalfunding.com/services/hard-money-loan-program/) to specialized Ground Up Construction financing, they provide the “financial infrastructure” necessary for luxury real estate developers and investors to thrive in a high-velocity environment.
As we look toward 2026, the reliance on private bridge financing is expected to grow. The “Condo Crisis” in Florida, the inventory shortages in California, and the continued wealth concentration in tier-one markets will only reinforce the need for fast, flexible, and asset-based lending solutions. For the savvy investor, the question is no longer “Why use a bridge loan?” but rather, “How can I deploy a bridge loan to secure my next trophy asset?”
Assess Liquidity: Before hunting for a property, establish your bridge financing capacity. Knowing you can close in 7 days makes you a cash buyer.
Evaluate the “Spread”: Don’t just look at the interest rate. Compare the cost of the loan to the potential discount of a cash offer and the tax savings of not liquidating securities.
Choose the Right Partner: Work with a direct lender like Capital Funding Financial who manages their own fund, ensuring that when they issue a term sheet, the capital is actually there to close.
The convergence of opportunity and capital is where wealth is generated. In 2025, the bridge loan is the link that connects the two.
