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Shorter-term real-estate financing pathways

Bridge / Hard Money

Bridge and hard-money products are typically shorter-term real-estate financing structures. Underwriting can place significant weight on the property, transaction, exit strategy, and borrower profile.

When businesses typically use it

  • Acquisition or time-sensitive closing needs
  • Renovation or repositioning projects
  • Transitional financing
  • Certain refinance scenarios

What financing providers may consider

Providers may review the property, valuation, purchase or payoff information, scope of work, experience, liquidity, credit information, and a credible repayment or exit strategy.

Our role in the process

Cognitia Credit Solutions helps businesses prepare and organize their funding requests, understand relevant financing pathways, and identify providers whose criteria may align with the business profile and financing need. We work to help each request move toward an appropriate financing path with the information needed for provider review. Final eligibility, approval, rates, terms, and funding decisions are determined by the applicable financing provider.