The Best Bridge Loan Lenders in New York of 2026

A New York purchase contract doesn't wait for the renovation, the lease-up, or the permanent loan. On a non-owner-occupied 1–4-unit property, that gap is the job of a bridge loan. Two offers can quote similar rates and proceeds and still leave you with very different cash needs once a renovation holdback, a title condition, or a maturing loan enters the deal. So the real question isn't the headline rate. It's whether the lender can fund the amount you need on the date you need it, and still leave a clean path to a sale or a rental refinance. A good bridge structure shows you the closing cash, the timing conditions, and the repayment terms before you sign anything.

We evaluated seven lenders for business-purpose bridge financing on non-owner-occupied, 1–4-unit New York investment properties during October 2026. The comparison weighs closing execution, residential eligibility, borrowing costs, and the path to a sale or rental refinance.

It covers investment houses, condos, townhomes, and two-to-four-unit residential properties. Owner-occupied home-purchase bridges, 5+ unit apartment buildings, mixed-use assets, office, retail, industrial, and ground-up construction financing are outside its scope.

• Closing execution (25%): Funding timelines, stated prerequisites, and evidence of completed closings. A term sheet is not a funded loan.
• Residential bridge fit (20%): Eligible investment properties and support for acquisitions, refinances, and properties in transition.
• Borrowing cost and fee clarity (15%): Published interest and origination charges, repayment provisions, and how much information is available to estimate total cost.
• Proceeds and equity requirements (15%): Published financing limits, valuation basis, loan sizes, and how useful they are for estimating the cash required.
• Underwriting and decision-maker access (10%): Direct review, borrower and broker access, and continuity between underwriting, funding, and servicing.
• Term and exit flexibility (10%): Loan duration, disclosed payoff provisions, and support for sale or rental-refinance exits.
• New York execution evidence (5%): Relevant New York transactions and documented market coverage, with more weight on residential bridge examples.

The Weighted Fit Score is an editorial assessment. It is not a lender-issued rating, a measured performance statistic, an approval probability, or a guarantee. Each factor gets a whole-number score from 0 to 10, and higher scores reflect stronger documented fit, more useful disclosure, or more relevant execution evidence. Missing information lowers disclosure confidence. We don't treat it as a known price, timeline, or capability.

Each total is the sum of the seven factor scores multiplied by their percentage weights, shown to one decimal place. Unrounded totals set the rank. Loan-to-value (LTV) measures the loan against property value, and loan-to-cost (LTC) measures it against project cost. After-repair value (ARV) is the expected value after improvements, so a limit stated as a percentage of ARV is not an as-is advance. These limits are not interchangeable down-payment calculations. Pricing is reported as of 10/2026 and remains subject to underwriting.

Closing windows are lender-stated, not independently measured averages. Some lenders use business days, others give days without specifying, and Capital Funding Financial starts its window from deposit. A best-case window is not a commitment to meet a particular purchase deadline.

The table below compares the lenders across the seven factors. After it, we look at each offer and its practical limits, company by company.

The Best Bridge Loan Lenders in New York of 2026

Total Score represents the Weighted Fit Score. R&T = rate-and-term refinance; SFR = single-family residence; PPP = prepayment penalty. Numeric rates and fees are as of 10/2026. Conventus bridge timing, duration, and advance limits come from its lender profile, rather than a standalone company bridge term sheet. Confirm each selected product's written terms.

We Lend, for time-sensitive New York investor deals

A borrower with a purchase deadline needs an early answer on three things: the property, the cash required, and the repayment plan. At We Lend, an in-house team with funding authority reviews investor deals. We're a founder-led, friends-and-family-backed private lender serving New York and New Jersey investors, and our capital model is built around direct underwriting. Our homepage advertises one-hour term sheets, and our short-term bridge table publishes a typical 3- to 10-day closing window. Those are separate stages, so confirm the conditions for your file. A term sheet lets you assess the proposal. Funding still depends on underwriting, property review, and closing requirements.

The bridge table lists 6- to 24-month terms, a $250,000 minimum, no prepayment penalty, and up to 80% of after-repair value. Confirm those limits for your specific non-owner-occupied 1–4-unit property. Bridge payments are interest-only, and the published starting rate is 10%, as of 10/2026. Ask for the actual rate and an itemized origination-fee quote on the property. The limitation: an ARV-based ceiling doesn't set your closing proceeds, and a starting rate doesn't set your total cost. Get the acquisition advance, renovation holdback, reserves, and payoff requirements in writing before you compare the offer with an as-is-value bridge.

• Location: New York, New York
• Borrowing Costs: Published bridge rates from 10%, as of 10/2026; origination fees by quote
• Loan Term: 6–24 months
• Eligible Properties: Residential investment properties; confirm the proposed 1–4-unit asset
• Services: Bridge, fix and flip, DSCR rental, construction, and rescue financing

Conventus, for bridge-to-rental financing

Conventus is relevant when the borrowing decision covers both the acquisition and the debt that will replace the bridge. Its bridge-to-DSCR approach keeps both conversations inside one lending relationship, so the investor can test whether planned rental income supports the takeout. The firm has a New York City office and offers short-term financing on residential investment properties. Its lender profile reports qualifying bridge closings in about 5 to 10 business days and terms of 6 to 24 months. A dedicated Relationship Manager and an in-house credit process give the borrower a named contact for the asset and its exit.

The profile separates purchase financing of up to 90% from residential rate-and-term refinance limits of up to 80% LTV and cash-out limits of up to 70% LTV. Those are different transactions, not one interchangeable advance rate. Conventus also publishes a renovation-to-rental path with a DSCR refinance option. The main caveat is product selection. Rates and proceeds advertised for a renovation loan shouldn't be assumed to apply to a no-rehab transactional bridge. Get the specific bridge rate, origination charges, valuation basis, and rental-refinance requirements before you rely on the proposed exit. The rental pathway adds flexibility, but it doesn't guarantee the property will qualify for permanent debt.

• Location: San Francisco, California; additional New York City office
• Borrowing Costs: Standalone residential bridge pricing is not publicly listed; request a product-specific quote
• Loan Term: 6–24 months for short-term bridge financing, reported in its lender profile
• Eligible Properties: Single-family and 2–4-unit investment properties, condos, and townhomes
• Services: Bridge, fix and flip, DSCR rental, construction, and multifamily financing

Malve Capital, for smaller residential acquisition bridges

Malve Capital gives investors a residential bridge option below the minimum loan sizes of several lenders in this comparison. The firm publishes a general loan range of $50,000 to $10 million and assigns a dedicated team member reachable by direct phone and email. Its bridge program covers acquisition and refinance, with up to 85% acquisition financing, terms of 3 to 24 months, no minimum FICO requirement, and no prepayment penalty. That mix works for comparing a short hold with a longer stabilization plan, and it keeps early repayment open if a sale or refinance comes ahead of schedule.

Malve's own bridge guidance states that funding can happen in as little as five business days and that it works with New York investors. Asset-based review and limited income documentation can cut paperwork for self-employed borrowers, though property and closing diligence still apply. The caution is pricing precision. The homepage advertises a lower general starting rate, while the bridge-specific page starts at 9%, as of 10/2026. Use the product-specific figure and get an itemized fee quote. The advertised acquisition percentage also needs a written definition of its valuation basis and conditions. Don't treat it as an automatic 85% advance on every property.

• Location: Port Washington, New York
• Borrowing Costs: Bridge rates from 9%, as of 10/2026; origination quote required
• Loan Term: 3–24 months on the bridge-specific page
• Eligible Properties: Single-family and small residential investment properties; program-dependent
• Services: Bridge, fix and flip, DSCR rental, refinance, and construction financing

Pepe/Berard Capital, for residential refinance and local structuring

Pepe/Berard Capital publishes separate financing limits for acquisition, rate-and-term refinance, and cash-out refinance, which makes it easier to see which offer applies to an investment property you already own. Its bridge lending guidelines show up to 90% acquisition LTV, 75% rate-and-term refinance LTV, and 65% cash-out refinance LTV, with terms of 6 to 24 months. The lender notes that limits vary by property type. So compare the proposed advance for your specific residential asset, and don't assume the acquisition ceiling carries over when you're refinancing debt or pulling equity out.

The firm operates from New Rochelle and keeps servicing loans after funding, so the borrower deals with the same lender through maturity. Its transaction history includes a Brooklyn three-family refinance, a Rye Brook single-family refinance completed within 14 days of application, and other New York investment-property deals. That local evidence explains its position despite a slower published best-case closing window than several national alternatives. Rates start at 9%, with origination fees of 2% to 4%, as of 10/2026. Those points can add up on a short hold. The published bridge guidelines don't state a universal prepayment schedule, so get the minimum-interest, early-payoff, and extension provisions before choosing the loan for a quick exit.

• Location: New Rochelle, New York
• Borrowing Costs: Rates from 9%; 2%–4% origination, as of 10/2026
• Loan Term: 6–24 months, interest-only
• Eligible Properties: Investment residential real estate; LTV varies by property and transaction
• Services: Bridge, acquisition, refinance, fix and flip, and permanent-financing assistance

Stormfield Capital, for balance-sheet acquisition and refinance bridges

Stormfield Capital is clear about its role after closing: it funds loans on its balance sheet, keeps them, and services them in-house. For an investor who expects questions about payoff, a refinance, or project timing, the relationship stays with the same lender through maturity. Its residential bridge program explicitly accepts entity borrowers and non-owner-occupied single-family homes, condos, townhomes, and 1–4-unit properties. New York is a core lending market. Published terms include typical closings of 7 to 10 days, 12- to 18-month terms, and rates from 8.99%, as of 10/2026.

The program's borrowing limits are more conservative than several acquisition alternatives: up to 70% LTV and 75% of purchase price. Investors need cash for the rest of the purchase, transaction costs, and required reserves. That extra equity is the trade-off for documented local execution and one lender from closing to payoff. A published New York townhouse transaction shows an $8 million bridge at 53% LTV for 12 months. It illustrates local execution, not a standard loan entitlement. The bridge page's FAQ excludes rehab costs from this program's advance, so borrowers who need a financed renovation budget should ask for the right separate structure and confirm its terms, rather than carry fix-and-flip limits into the bridge quote.

• Location: Southport, Connecticut
• Borrowing Costs: Rates from 8.99%, as of 10/2026; bridge-specific origination quote required
• Loan Term: 12–18 months under published standard bridge terms
• Eligible Properties: Non-owner-occupied single-family, condos, townhomes, and 1–4-unit properties
• Services: Residential bridge, fix and flip, construction, and commercial financing

Capital Funding Financial, for equity-rich bridge-to-sale properties

Capital Funding Financial fits investors who have substantial equity in a property and need short-term debt before a sale or refinance. Its hard money bridge program expressly covers business or investment purposes and includes 1–4-unit residential assets. Published terms run from $250,000 to $25 million, with larger exceptions, 12- to 24-month options, and closings of 3 to 14 days from deposit. Rates are 9.99% to 12.49%, with origination fees of 2% to 3%, as of 10/2026. Because the timeline starts at deposit, investors have a defined starting point to confirm with the lender before committing to a purchase deadline.

The firm describes discretionary family-office capital and direct balance-sheet lending, so decisions are made inside the lender. The real trade-off is the advance. Standard terms cap financing at 65% LTV, with 70% available by exception or with an interest reserve. That can mean more equity than a high-advance acquisition loan, even when timing and fee disclosure look good. An April 2025 Southampton refinance shows the fit: a reported $4 million bridge on a vacant single-family home valued at $12 million, funded in under two weeks with a sale exit. That low-LTV example supports considering the lender for equity-rich properties. It doesn't establish current proceeds on a highly financed acquisition.

• Location: Boca Raton, Florida
• Borrowing Costs: 9.99%–12.49% interest; 2%–3% origination, as of 10/2026
• Loan Term: 12–24 months
• Eligible Properties: Business-purpose single-family and 1–4-unit residential investments
• Services: Bridge, refinance, fix and flip, DSCR rental, and construction financing

LendingOne, for renovate-to-rent investment strategies

LendingOne is worth comparing when the bridge funds a purchase and improvements before a rental refinance. Its bridge financing page separates fix-and-flip from fix-to-rent structures, with published limits of up to 92.5% LTC and 95% LTC, respectively. Those percentages apply to project cost, not just the property's current market value. The lender also states that it charges no interest on undrawn renovation funds, which can lower carrying costs when work happens in stages. A borrower should still pin down the inspection process, draw timing, and the cash needed between releases before plugging the maximum LTC figure into a project budget.

The New York lending page confirms state coverage, in-house underwriting, and a fix-to-rent pathway with refinance incentives. It publishes a 12-month interest-only fix-and-flip option without prepayment penalties, and the bridge FAQ says qualified investors can close in as little as 10 to 14 days. The practical limitation is the combination of a longer stated closing window and no numeric starting bridge rate or base origination schedule on the bridge product page. A high advertised LTC can't answer those questions. LendingOne makes more sense when the investor has time for the process and wants a renovation-to-rental structure, and less sense when a seller needs funding within a few days.

• Location: Boca Raton, Florida; New York lending programs available
• Borrowing Costs: Starting bridge rate and base origination fee not publicly listed; request a quote
• Loan Term: 12-month fix-and-flip option; confirm the selected bridge product
• Eligible Properties: Residential investment properties for fix and flip or fix to rent
• Services: Bridge, fix and flip, fix to rent, DSCR rental, and portfolio financing

Residential Bridge Lenders by Investment Strategy

We also broke down the top companies into three subcategories based on specialty.

These lists put the relevant loan structure and published use-case evidence ahead of overall rank. Where two offers are similarly relevant, the tie-break factor is named below. Equal factor scores are separated by the product-specific evidence in each entry, and the lists don't imply measured differences in funding speed or approval likelihood. Financing remains subject to review of the property, borrower, and repayment plan.

For Time-Sensitive Residential Acquisitions

The tie-break factor for similarly relevant acquisition offers is Closing execution. Where that score is equal, the order reflects the funding conditions, product-specific evidence, and equity requirements described below. It isn't a claim that one lender will always close faster.

1. We Lend: Advertised one-hour term sheets and a published typical 3–10-day bridge closing window support early conversations about a time-sensitive investor purchase, subject to file-specific conditions.
2. Stormfield Capital: Explicit non-owner-occupied 1–4-unit bridge eligibility and typical 7–10-day closings support acquisitions where the borrower can meet its lower advance limits.
3. Conventus: Its lender profile reports a 5–10-business-day bridge window and purchase financing for acquisition files with a defined sale or rental exit.
4. Malve Capital: A published five-business-day best case and up-to-85% acquisition financing make it relevant to smaller residential purchases.
5. Capital Funding Financial: Its 3–14-day window starts from deposit, with standard financing up to 65% LTV for acquisitions backed by substantial equity.

For Refinancing an Existing Residential Investment

The tie-break factor is Residential bridge fit. Transaction-specific refinance evidence sets the order where scores tie.

1. We Lend: In-house review and interest-only bridge financing support owners matching existing debt, property condition, and a planned repayment event.
2. Stormfield Capital: Its program explicitly covers bridge-to-permanent, cash-out, and gap-financing needs, and servicing stays in-house through maturity.
3. Pepe/Berard Capital: Separate published rate-and-term and cash-out LTV limits, plus New York residential refinance examples, make its refinance structure easier to compare.
4. Capital Funding Financial: Its reported April 2025 Southampton single-family refinance shows bridge-to-sale execution at low LTV, with current business-purpose refinance terms published separately.
5. Malve Capital: Its acquisition-and-refinance bridge program offers 3–24-month terms and no prepayment penalty for an owner arranging a sale or takeout.

For a Bridge-to-Rental Exit

The tie-break factor is Term and exit flexibility. Published rental-transition mechanics set the order where scores tie.

1. Conventus: Its bridge and DSCR teams can discuss the acquisition and the permanent takeout together, with a published renovation-to-rental refinance path.
2. LendingOne: Its dedicated fix-to-rent program combines up-to-95% LTC with published incentives for refinancing into its rental product.
3. Malve Capital: Its own bridge guidance describes a renovation-to-DSCR example, alongside short-term terms without a prepayment penalty.
4. We Lend: Residential bridge and DSCR programs cover both stages, with no bridge prepayment penalty and direct review of the proposed exit.
5. Stormfield Capital: Its explicit bridge-to-permanent use case can carry the holding period while the investor arranges long-term financing.

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