Short-Term Financing

Fix & Flip Bridge Loans
for Active Investors

Direct bridge financing for fix-and-flip investors, from 9.95%.* Close in about 5 business days and fund 100% of your rehab on a same-day draw schedule.

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

Submit A Deal →(410) 855-4600

Full requirements: fix-and-flip · hard money

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 on a draw schedule, so you're never financing renovations out of pocket. No income verification, no W-2s. We underwrite 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 – 18 months
Minimum FICO600
Property Types1–4 unit residential, multifamily, mixed-use commercial
Draw FundingSame business day
Close TimeAbout 5 business days
Prepay PenaltyNone
Fix and Flip Financing

Fix and Flip Hard Money Loans Across 13 States

Our bridge loans are the financing investors use to move fast: auction wins, wholesale deals, and off-market distressed properties. We fund 100% of your approved rehab on a draw schedule, so you're never out of pocket on renovation costs.

We lend across 13 states on the East Coast and beyond, with dedicated coverage for Maryland, Washington DC, Philadelphia, Miami, New York, and more on 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 they're approved.

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 require a minimum 600 FICO score. 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?
We typically close within 5 business days of receiving a complete application. Rush closings may be available. Call us to discuss your timeline.
Can I use the loan to purchase and rehab?
Yes. Our bridge loans cover up to 70% LTV, and we fund 100% of the approved rehab budget through a draw schedule.
What states do you lend in?
We currently lend in 13 states across the East Coast and beyond. 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.
Client Testimonials

What Our Borrowers Say

5.0★★★★★
Based on 239 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?

Send us your deal. Our team reviews every submission personally.

Get a bridge loan rate →
© Pimlico Capital . All rights reserved.  |  All loans subject to underwriting and approval. Rates may change with market conditions. |  Português