
Bridge Loan Program
Flexible Financing for Investors at Every Level
Transform Funding’s Bridge Loan Program is built to give real estate investors fast, flexible access to capital when timing matters most. Whether you’re acquiring a new property, renovating an existing asset, or repositioning an investment, this program is designed to help you move quickly and confidently in competitive markets. With streamlined processes and investor-focused solutions, borrowers can take advantage of opportunities without unnecessary delays.
One of the key strengths of this program is its flexibility. Transform Funding works with both experienced and newer investors, making it easier for individuals at different stages of their real estate journey to secure financing. The program also offers alternative qualification options based on property performance, allowing investors to leverage income-generating assets rather than relying solely on traditional income documentation.
In addition, Transform Funding provides guidelines that are tailored to real-world investing scenarios. Borrowers can access equity without lengthy waiting periods, utilize existing appraisals when applicable, and even refinance into bridge financing when needed. These features allow investors to structure deals more efficiently, reduce costs, and maintain momentum throughout their projects.
Overall, Transform Funding’s Bridge Loan Program is designed to support growth, speed, and strategic flexibility—giving investors the tools they need to scale their portfolios and maximize opportunities.

Bridge Loan Program Details
Basic Terms
Starting Rate: 8.5%
Origination Fee: Starting at 2%
Maximum ARV: 75%
Minimum Credit Score: 600
DSCR Option
Minimum Credit Score: 660
Rate Floor: Starting at 5.75%
Additional Guidelines
Will lend to new investors
No seasoning requirements for cash out refinance
Appraisal transfers are allowed
Refinance into bridge loans are allowed
