Short-Term Financing

Fix & Flip Bridge Loans
for Active Investors

Direct bridge financing for fix-and-flip investors, from 9.95%.* Typically close in 5–10 business days — as fast as next day when a deal demands it. And because you shouldn't be waiting around for construction funds, we fund construction draws the same day.

Also known as hard money loans: same product, same team.

Submit A Deal →(410) 855-4600
5.0 · 250+ Google reviews
Bridge & Hard Money Loans

A Better Way to Fund Your Fix & Flip

Pimlico Capital is a direct lender. We control our own capital, so we make faster decisions, ask for fewer documents, and close in days, not weeks. You work with the same team from term sheet to payoff.

We fund your purchase and 100% of the rehab, so you're never financing renovations out of pocket. No income verification, no W-2s. We underwrite your deal based on the property and your track record.

The full terms are on the right.

Bridge Loan Terms
Interest RateStarting at 9.95%*
Max LTVUp to 70% LTV
Rehab Funding100% of rehab costs
Loan Amount$75,000 – $3,000,000
Loan Term6 – 12 months
Minimum FICOTypically 600 — exceptions considered
Property Types1–4 unit residential, multifamily, mixed-use commercial
Draw FundingSame business day
Close TimeTypically 5–10 business days; next-day possible
Prepay PenaltyNone
Fix and Flip Financing

Fix and Flip Hard Money Loans Across the Eastern U.S.

Our bridge loans are built for investors who need to move fast: auction wins, wholesale deals, and off-market distressed properties. We fund 100% of your approved rehab, so you're never out of pocket on renovation costs.

We lend across the Eastern U.S., including Maryland, Washington DC, Philadelphia, Miami, New York, and more. See our Where We Lend page.

Related: Size Your Deal · Exit Into a 30-Year DSCR Loan · DC BRRRR Case Study · $112K Baltimore Flip

Fix-and-flip renovation in progress
How the Draw Process Works

Rehab Funding Made Simple

We fund 100% of your approved rehab budget through a flexible draw schedule, with draws disbursed the same business day.

1

Agree on a Scope

Before closing, our in-house project manager reviews your rehab budget with you and builds a draw schedule around your project's milestones and timeline.

2

Request a Draw

Complete a phase of the rehab, then submit a draw request through your borrower portal with photos.

3

Get Funded Fast

Approved draws are funded the same business day, keeping your project moving without delays.

Frequently Asked Questions

Bridge Loan FAQs

Do I need good credit to qualify?
We typically require a minimum 600 FICO score, but we're open to exceptions on a case-by-case basis — give us a call to discuss. We do not require income verification or W-2s. Our underwriting is primarily based on the property's value and your experience as an investor.
How quickly can you close?
Bridge loans typically close in 5–10 business days — and as fast as next day when a deal demands it. 30-year rental loans typically take 3–4 weeks. Call us to discuss your timeline.
Can I use the loan to purchase and rehab?
Yes, our bridge loans cover a portion of the purchase price, and we fund 100% of the approved rehab budget through a draw schedule.
What states do you lend in?
Our 30-year DSCR rental loans are available nationwide, with only a handful of state exceptions, and our bridge loans are available across the Eastern U.S. See our Where We Lend page for the full list.
Is there a prepayment penalty?
No. You can pay off your loan early with no penalty, ideal for investors who complete and sell projects ahead of schedule.

Related: Full Requirements Checklist · Size Your Deal

Client Testimonials

What Our Borrowers Say

5.0★★★★★
Based on 250+ Google reviews
Read all reviews on Google →
★★★★★

"Approved and settled in less than two weeks. The draw process was seamless. Funds hit the next business day every time."

P
Perry D.
Verified Google review · Baltimore, MD
★★★★★

"I closed 2 properties with Pimlico. Smooth, simple, and the easiest lender I've ever worked with. A+++++"

M
Michael T.
Verified Google review · Philadelphia, PA
★★★★★

"Best hard money lender I've worked with. Extremely easy to use, receptive, and competitive."

D
Daniel M.
Verified Google review · Northern VA
★★★★★

"Working with Pimlico on my DSCR portfolio has been a game-changer. 8 doors refinanced in 6 months, and every close went exactly as promised."

J
Jessica W.
Verified Google review · Atlanta, GA
★★★★★

"A deal fell through 5 days before closing with another lender. I called Pimlico Tuesday, had a term sheet Wednesday, and closed the following Monday."

B
Brandon K.
Verified Google review · Columbus, OH
★★★★★

"As a broker I've sent 20+ clients to Pimlico over two years. Never a blown closing, never a surprise condition. They communicate better than most banks."

R
Raymond C.
Verified Google review · Mortgage Broker, NJ
★★★★★

"Pimlico is the only lender I trust with my time-sensitive deals. When I need to move fast, they move fast. No other private lender comes close."

R
Robert T.
Verified Google review · Full-time investor
From the Blog

Fix & Flip Insights

Deal math, exit strategy, and rehab know-how from the team that funds these projects every day.

View All Blogs

55+ articles on DSCR, bridge loans, fix-and-flip, BRRRR, and more.

Ready to Fund Your Next Fix & Flip?

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