A bridge loan’s cost has two parts: interest, charged monthly on the balance (bridge loans are usually interest-only), and a one-time origination fee. You pay interest during the short term and repay the principal at your exit — a refinance or a sale. Use the estimator below to see an illustrative cost for your amount, term, and rate.
Illustrative estimate
Your principal of $1,000,000is repaid at your exit — typically a refinance into longer-term debt, or a sale.
Estimate for planning only — not a quote, offer, rate lock, or loan approval. Bridge loans are short-term, and actual terms are priced to each deal’s risk. Talk to us for real numbers.
The estimator multiplies your loan amount by the annual rate to get annual interest, divides by twelve for the monthly payment, and multiplies by your term for total interest. It adds a one-time origination fee to get the total cost of capital. The rate and origination sliders use BuildUp’s published ranges; where your deal lands within them is priced to its risk — the collateral, the operator, and the strength of the exit.
A bridge loan is a short-term instrument by design. The right way to weigh its cost isn’t against a 30-year mortgage — it’s against what the capital lets you do now: close on time, beat a deadline, or fund a transition until longer-term financing is in place. The most important number isn’t the rate; it’s the exit.
Common questions
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Tell us about your deal and, if it’s a fit, we’ll issue a term sheet in under 5 business days. If you qualify, you’ll know quickly; if not, we’ll help you understand where to go next.