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Bridge Star Loan

Short-term bridge capital for investment and commercial property.

Short-term bridge financing for investors and business owners who need to move before a sale, lease-up, or permanent refinance is finished. The bridge pays off the existing lien and funds the capital needed to acquire or stabilize the next investment or commercial property — so you can make a non-contingent offer and close on your timeline.

Highlights

  • Pays off the existing lien on the investment or commercial property
  • Funds acquisition capital for the next property
  • Short-term, interest-focused structure (typically 6–12 months)
  • Non-contingent offers on the next acquisition
  • Exit by sale, lease-up, or refinance into permanent financing
  • Business-purpose only — LLC, LP, or corporate borrowers

What we do — and what we don't. Local Loan Store™ specializes in commercial, investor, and non-owner-occupied lending plus secured & unsecured business working capital. We do not originate personal loans or owner-occupied residential mortgages. If your scenario is personal or owner-occupied, we'll happily refer you to a trusted partner who is ready to help — just submit your inquiry and we'll route it to the right desk.

How funding works

  1. 1

    Tell us the current property value, lien balance, and target acquisition price

  2. 2

    We size the bridge to retire the existing lien and fund the acquisition

  3. 3

    Close on the new property with a non-contingent offer

  4. 4

    Sell, stabilize, or refinance into permanent financing at exit

Real borrower scenarios

Worked examples using the program's actual LTV and qualifying rules. Numbers are illustrative — your file determines your final terms.

Investor moving equity between rentals

60% LTV

LLC selling a $500k rental with a $200k lien, acquiring at $750k

Financed Down payment
Property value
$750,000
Loan amount
$450,000
Down payment
$300,000
Cash to close (est.)
$315,000

Bridge unlocks trapped equity for the acquisition — no sale contingency on the offer.

Max LTV by program

% of value financed at purchase — click a bar to open the program

Max loan amount

USD millions — click a bar to open the program

Indicative rate ranges

Lower band = best-case pricing. Hover for details, click to open the program.

Knowledge & insights

In competitive markets, sellers reject contingent offers — a bridge loan turns an investor into a cash-equivalent buyer.

Bridge loans are short-term by design (typically 6–12 months); the permanent refinance or sale is the planned exit.

Pricing sits above permanent debt because of speed and short term — but it is only carried for a few months.

Apply now

Did you know?

  • Bridge lending is one of the original non-conforming products, created specifically to solve real-world investor timing gaps.
Apply now

Frequently asked questions

Quick answers about Bridge Star Loan. Not seeing your question? Talk to a loan officer below.

How long is the term?
Short-term, typically 6–12 months — long enough to sell, stabilize, or refinance the property.
Can I make a non-contingent offer?
Yes — that is the primary reason investors use the program.
Is this available for a personal residence?
No. Bridge Star is business-purpose only, for investment and commercial property held in an entity.

Get matched to Bridge Star Loan

Submit your scenario — a loan officer will confirm program fit and indicative pricing within one business day.

By submitting, you agree to be contacted by The Local Loan Store by phone, text, or email about your inquiry — including by autodialer or prerecorded voice — even if your number is on a Do Not Call list. Consent is not a condition of credit and message/data rates may apply. You also agree to our Terms of Use, Privacy Policy, E-Sign Consent, and full state & federal application disclosures. We serve urban and rural markets. Applications are not accepted for property or businesses located in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA.

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