Bridge Loans in Richmond County Georgia
Need capital now? Bridge the gap fast.
CheapLOI.com provides short-term, asset-based bridge loans for acquisitions, refinance, cash-out, or value-add plays throughout Augusta, Hephzibah, and Blythe—with same-day term sheets and streamlined closings.
Why Investors Use Bridge Loans in Richmond County
Bridge loans are ideal when you need speed, flexibility, or temporary capital to reach the next milestone—tenanting, light rehab, seasoning for DSCR, or waiting for permanent bank financing.
Bridge Loan Program
Feature | Program Details |
Loan Size | $150,000 – $10,000,000+ |
LTV (as-is) | Typically up to 70–75%, ARV influence case-by-case |
Term | 6–18 months (extensions available) |
Rate | Interest-only; priced to deal strength |
Use of Proceeds | Purchase, refinance, cash-out, rescue capital |
Rehab | Light–moderate value-add permitted |
Income Docs | Not required (asset-based) |
Entity | LLC/Entity preferred |
Closing Speed | 7–21 days with complete file and clear title |
Collateral | 1–4 unit investment, small MF, mixed-use, retail, office, industrial/flex (case-by-case) |
How to Qualify
We focus on the deal:
- Property address, photos, and as-is/ARV comps
- Purchase contract or payoff statement (for refi)
- Exit strategy (sale, DSCR refi, bank perm, 1031)
- Basic sponsor profile (experience helps, not required)
- Title report/insurance readiness
Not required: tax returns, W-2s, DTI worksheets.
E-E-A-T & Compliance
- Experience: CheapLOI.com has funded 1,000+ Georgia projects.
- Expertise: Asset-based underwriting, ARV-driven pricing, fast closings.
- Authoritativeness: Clear LOIs, draw procedures, transparent fees.
- Trustworthiness: Google Ads-compliant claims, FTC truth-in-advertising, CCPA/CPRA privacy, ADA-friendly language and alt text.
Common Bridge Use-Cases
Acquisition with Repairs: Secure property quickly; complete quick upgrades; then refi to DSCR or list on MLS.
Cash-Out for Next Deal: Unlock equity in an existing asset to fund earnest money, rehab, or deposits.
Rescue/Time Extension: Shore up a deadline-driven payoff while permanent financing finalizes.
Tenant-in-Tow / Re-Tenant: Stabilize vacancy or re-tenant a suite to maximize valuation prior to sale/refi.
How it works
Submit scenario → same-day LOI
Title, valuation, limited third-party diligence
Close & fund (rush options may be available)
Banks vs. Private Loans
Close in 7 - 10 days
Distressed property support
Asset Based Underwriting
Rehab financing included
No Income Docs Required
Local Market Insight
Richmond County offers strong investor demand near Augusta University & Medical District, Downtown/Broad Street, Riverwalk, I-20/I-520 corridors, and Fort Eisenhower support markets. Investors frequently bridge for:
- Acquisitions with quick closings (wholesale/off-market)
- Stabilization after light rehab or lease-up
- Cash-out to fund additional purchases
- Pre-DSCR seasoning (12 months P&L build-up)
- 1031 Exchange timing solutions
Surrounding cities for breadth/topical authority: Atlanta, Savannah, Columbus, Macon, Athens, Sandy Springs, Roswell, Albany, Johns Creek.
FAQs
With a complete file and clear title, many bridge loans close in 7–21 days.
No. We’re asset-based and focus on the collateral, ARV, and exit plan.
Yes. Light to moderate value-add is often allowed with milestone draws.
Up to 70–75% as-is value is common (deal-dependent); ARV influence case-by-case.
DSCR refinance, bank permanent financing, or retail sale.
Bridge your deal with certainty—then exit on your terms.
Apply now for fast approval Or call: (800) 664-7505. We are Serving real estate investors across County and throughout Georgia.