Bridge Loans in Richmond County Georgia
AtlantaFixAndFlipLoans.com offers fast, flexible bridge loans for real estate investors, builders, and developers in Richmond County, including Augusta, Hephzibah, and Martinez. With over 1,000 funded investment projects across Georgia, including commercial and residential acquisitions in Augusta, our bridge loans provide asset-based funding focused on speed and opportunity — not paperwork.
Why Georgia Investors Choose Our Bridge Loans
Richmond County, particularly Augusta, is a fast-turnover market fueled by growth in the Augusta Medical District, STR demand during The Masters, Fort Eisenhower expansion, and temporary housing needs for medical professionals and traveling nurses. Investors often use bridge loans to close deals in under 7 days, wait for long-term financing, season ownership before refinancing, or unlock equity from existing properties. These loans provide crucial time and leverage to capitalize on high-demand opportunities.
How to Qualify
- Property Requirement: Must have a purchase contract, payoff info, or existing property to secure the loan.
- Exit Strategy: Clear plan for refinancing (DSCR, agency loan) or sale after rehab/stabilization.
- Asset-Based Approval: Loans are primarily based on property value and potential, not personal income or credit.
- Investment Experience (Optional): Previous real estate investment experience is helpful but not required.
- Project Status: Can fund properties in transition — acquisition, construction, or stabilization phases.
- Loan Size / Leverage: Up to 80% LTV depending on property type and exit strategy.
- Flexibility: Can fund speculative deals, distressed properties, or short-term holding scenarios.
Property Types Eligible
- Fix-and-Flip Residential Properties — Single-family homes, duplexes, triplexes, and small multi-family units.
- Commercial Acquisitions — Office buildings, retail spaces, warehouses, and flex industrial properties.
- Construction-to-Stabilization Projects — Properties transitioning from construction phase to stabilized rentals.
- DSCR Refinance Bridge — Properties waiting on long-term DSCR or agency refinancing.
- Land + Construction (Case-by-Case) — Vacant land purchases with planned construction, eligible depending on feasibility.
Program Overview
Our bridge loan program offers fast, flexible financing with closings in just 3–7 days, allowing investors to secure deals that traditional banks can’t close quickly enough. No income documentation is required, as underwriting is asset-driven, and loans can provide up to 80% LTV, reducing the cash needed upfront. With interest-only payments, monthly costs remain low, while short terms of 3–18 months make these loans ideal for property transitions or stabilization. Additional capital is available for improvements, helping to increase the property’s ARV before refinancing. Approvals are not restricted by credit score, focusing instead on the property’s value and a clear exit strategy.
Our 4-Step Process to Funding Your Loan
Deal Submission
Address + purchase price + exit strategy.
Term Sheet Issued
Clear terms, no surprises.
Underwriting & Closing
We wire funds to closing attorney.
Rehab & Draws
Refinance or sell after rehab/stabilization.
Benefits vs Traditional Banks
Same day approval
Ideal for distressed properties
Close in 7 - 10 days
Flexible underwriting
No income Docs
Yes — interest-only payments improve project cash flow.
Yes — no prepayment penalty after the minimum interest period.
Yes — we lend on commercial, residential investment, and mixed-use.
Ready to Fund Your Bridge loan Project in Richmond County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Richmond County and investor markets inside out.