Hard Money & Bridge Loans

At Aspen Capital Solutions, we understand that not every deal fits neatly into conventional lending guidelines. For investors, developers, and business owners who need speed, flexibility, and creativity, our Hard Money and Bridge Lending platform delivers capital when it’s needed most.

Whether you’re acquiring a property quickly, repositioning an asset, or securing short-term funds before permanent financing, we provide private lending solutions tailored to your strategy. With streamlined underwriting and direct decision-making, Aspen ensures you get the funding you need on your timeline.

When Hard Money & Bridge Loans Make Sense

• Time-Sensitive Acquisitions – Fast closings for auction purchases, distressed sales, or competitive bidding situations.
• Value-Add or Transitional Assets – Properties needing lease-up, renovations, or repositioning.
• Short-Term Liquidity Needs – Gap funding while waiting on permanent financing or refinancing.
• Credit or Documentation Challenges – Borrowers who don’t fit traditional underwriting criteria but have strong collateral.
• Construction or Redevelopment – Projects in need of flexible interim financing prior to stabilization.

Financing Programs

• Bridge Loans – 6 to 36-month terms designed for acquisitions, refinances, or recapitalizations.
• Hard Money Loans – Asset-based loans focused on collateral value rather than borrower profile.
• Fix & Flip Financing – Short-term loans for acquisition, renovation, and resale strategies.
• Transitional Financing – For properties in the process of stabilization or repositioning.
• Cash-Out Refinancing – Unlock equity quickly to deploy into new opportunities.

Key Features of Aspen’s Hard Money & Bridge Lending

• Fast Closings – Funding timelines as short as 7 – 14 days.
• Flexible Underwriting – Focus on asset value and business plan, not just borrower credit.
• High Leverage Options – Competitive loan-to-value (LTV) and loan-to-cost (LTC) structures.
• Nationwide Reach – Financing available across primary, secondary, and tertiary markets.
• Customized Terms – Structured to align with your investment horizon and exit strategy.

Our Approach

Aspen Capital Solutions takes a relationship-driven, deal-specific approach to hard money and bridge financing:

• Collateral-Based Underwriting – Loan decisions weighted heavily on property value and potential.
• Speed & Execution – Streamlined approval process for time-sensitive transactions.
• Creative Structuring – Ability to solve challenges conventional lenders can’t address.
• Exit-Oriented Planning – Clear strategies to transition from bridge financing to permanent debt or disposition.

Why Choose Aspen Capital Solutions for Private Lending?

• Direct balance sheet & access to private capital and investor networks.
• Experience across all asset classes: multifamily, retail, office, industrial, hospitality, and residential portfolios.
• Ability to close quickly without the red tape of conventional banking.
• A partner that understands both real estate value and investment strategy.

With Aspen Capital Solutions, Hard Money and Bridge Loans aren’t just short-term fixes – they’re strategic tools that keep your deals moving and your opportunities within reach.