"Most lenders write bridge loans for six months and charge much higher fees fees (4 to 5 points over that half-year period.) We're different. We help you by structuring our loans for a longer period of time (one year) so the points don't approach that high annual rate."
— Paul Christenson, President

Bridge Loans

Bridge Loans

We view bridge loans as an attractive financial tool to help clients reach their goals. Know that bridge loans are typically secured by real estate in a first lien position. Your ability to secure funding will be commensurate with the collateral you offer.

If you are looking for a bridge loan for your project, feel free to contact us right away. See just how quickly we can fund your project with a loan custom-tailored to your needs.

What is a Bridge Loan?

A bridge loan is a temporary, short-term loan designed to bridge the gap between an existing expense and known future revenue. A typical case for Actium Partners involves a bridge loan requested to facilitate a real estate purchase. The client needs access to fast cash in order to close the transaction. If he can’t get it, he loses the property to someone else.

An Actium bridge loan provides the cash to meet the immediate expense. For their part, the client has demonstrated adequate future revenue for repaying the loan on its due date. The loan is secured by the property offered by the client, giving us the assurance that we need to fund the loan with confidence.

What Are the Best Uses for Bridge Loans?

The two best uses for bridge loans are real estate acquisitions and business expansion. In the real estate arena, turnaround time often means the difference between closing on a purchase and losing out to another buyer. Banks are just not quick enough to respond when buyer windows are so tight.

Bridge loans are a good option for business expansion due to their flexibility. Often times, banks will not go near expansion projects as they view them as too complex and requiring a mountain of paperwork. A bridge loan from a private lender is a fairly straightforward product. Moreover, private lenders look at loan applications on a case-by-case basis, which allows them to be more flexible than banks with expansion financing.

What Are the Advantages of Private Bridge Loans?

Bridge loans from private lenders offer a number of benefits that are hard to pass up. At the top of the list is speed. Banks tend to be slow to respond thanks to a complicated application and underwriting process. Between all the paperwork and due diligence, it can take banks weeks to approve and fund a loan.

Private lenders operate much more quickly. Here at Actium Partners, we can generally reach a preliminary decision within 24 hours. And once we approve an application, we do our best to follow up with rapid funding.

Another key advantage of bridge loans rests in how they are secured. Private lenders are not so concerned with credit reports and income verification. To us, the biggest risk factor is collateral. Remember that a bridge loan is generally secured by real estate in a first lien position. As long as an applicant offers a viable piece of property as security, we can generally find our way clear to making a bridge loan happen.

One final benefit of bridge loan funding is the ability to customize loans to individual clients. Again, banks work under very tight restrictions that do not allow for much flexibility. We, private lenders, look at each application on its own merits. We can customize everything from loan terms to LTV. We are not locked into a single way of doing things.


  • Terms up to one year
  • Loans up to $2 million(there is no firm minimum)
  • No prepayment penalty

Actium has money to lend right now. Contact us to learn more about a customized bridge loan.

Contact Paul Christenson at 801-983-6701 to see how quickly we can fund your project. We’re circumspect but we’re also fast.

Learn about Bridge Loans in Your State!


We’ve published multiple articles and case studies about bridge loans and private lending to help you understand how these financial tools can be used to support and help grow your business.


Actium manages funds dedicated to making first-position real estate loans. Find out more.

Contact Actium

Opportunities begin with a phone call. Contact Paul Christenson at 801-983-6701 to start the conversation.