At Edgewater Lending, we specialize in short-term bridge loans designed to help real estate investors and property owners secure the funding they need without delays.
With a deep understanding of the industry, extensive capital resources, and a commitment to efficiency, we provide customized financial solutions to support your investment and financing goals.
Whether you’re buying, refinancing, or restructuring, we provide the capital to move you forward.
What We Do
Making Deals Happen
At Edgewater Lending, we don’t just fund deals—we make them possible. With fast, strategic capital and a no-nonsense approach, we help you close with confidence, no matter the pressure or complexity.
How We Do It
Company Profile
For more than two decades, we’ve been passionate about real estate, customer experience, and combining both.
What we do
client results
Social Impact
We provide tailored financial solutions to meet diverse needs.
Our services include Partner Buyouts, ensuring smooth business transitions, and Owner-Operator financing to empower independent businesses.
We offer Debtor-in-Possession financing to stabilize operations during restructuring.
Our Judgment Payoff solutions help you settle debts efficiently.
Additionally, we specialize in Association Financing to support community growth.”
FREQUENTLY ASKED QUESTIONS
FAQ
For more than two decades, we’ve been passionate about achieving better results for our clients.
What types of loans does Edgewater Lending offer?
We specialize in short-term bridge loans tailored for real estate investors, property owners, and community associations. Our financing solutions encompass acquisitions, refinances, distressed property situations, and capital for property stabilization.
Who is eligible to borrow from Edgewater Lending?
We extend financing to individuals, corporations, single-purpose LLCs, and, in certain cases, trusts. Our clients include real estate investors, developers, property owners, condo associations, and small business owners seeking to leverage property equity for capital needs.
What types of properties are eligible for financing?
We finance a diverse range of real estate assets, including:
- Single-family homes
- Condominiums
- Land
- Hotels and other hospitality-related properties
- Construction projects (both commercial and residential)
- Multi-asset blanket loans
- Industrial properties (e.g., warehouses)
- Retail properties (e.g., strip centers, standalone stores)
- Office buildings and office condominiums
- Multifamily properties and mobile home parks
- Mixed-use properties
What are the typical terms and interest rates for your loans?
Our bridge loans typically have terms ranging from 6 to 24 months. Interest rates are competitive and vary based on factors such as loan size, term length, and the borrower’s profile. We pride ourselves on transparent pricing with no hidden fees.
Do you work with foreign nationals?
Yes, we frequently work with foreign investors, provided they meet our underwriting criteria. Please contact us to discuss specific requirements and documentation needed.
important deal milestones
Deal Structure Process
We tailor each deal structure to fit your timeline, goals, and exit strategy — fast, flexible, and built for real-world execution.
Apply
Get the process started by completing the intake form - that is the fastest way to get everything you need right away!
Submit Supporting Docs
Send all of the paperwork required to complete your loan processing.
Get Approved
Once all information and documents are reviewed, get your loan approved
Close
Close your loan and receive funding.
LOAN QUESTIONS
Loan Process and Timelines
How quickly can Edgewater Lending close a loan?
We understand the importance of timely financing. Depending on the complexity of the deal and the promptness of documentation submission, we can close loans in as little as a few days, with most transactions completing within 10-14 days from the issuance of a term sheet.
What is the application process like?
For commercial loans, we typically request the property’s address and the desired loan amount. Within 24 hours, we provide an initial indication of interest and potential terms. If both parties agree, we issue a detailed term sheet outlining the loan’s terms and requirements. Following this, we conduct thorough due diligence, collect necessary borrower information, and proceed with drafting loan documents and reviewing the title.
What documentation is required to apply for a loan?
Documentation requirements vary based on the loan type and specifics of the deal. Generally, we require property details, purchase or loan payoff information, and an overview of your investment strategy. Additional documents may be requested during the underwriting process.
Do you require personal guarantees?
Yes, we typically require personal guarantees to ensure commitment and alignment of interests between Edgewater Lending and our borrowers.
Is an appraisal necessary?
We assess properties using a combination of internal evaluations, broker opinions, and third-party reports. Traditional appraisals may not always be required, depending on the specifics of the deal.
How are your loans serviced?
We service all our loans in-house, allowing for personalized, relationship-based customer service throughout the life of your loan.
Loan Terms
What is your maximum loan-to-value (LTV) ratio?
Our LTV ratios typically do not exceed 75% of the property’s value, ensuring a conservative approach that protects both the borrower and lender.
Do you charge origination fees or points?
Yes, we charge points based on the loan amount. All fees and terms are transparently communicated during the loan process.
Do you require tax returns or income verification?
Our primary focus is on the value of the asset and the viability of the exit strategy. Traditional income verification and tax returns are often not required.
Specialty Financing
Do you provide loans to condominium associations?
Yes, we offer capital solutions tailored for condo associations to address needs such as repairs, legal expenses, or operational shortfalls.
Can I use my property's equity to access capital for my business?
Absolutely. We provide loans that enable business owners to leverage their property’s equity for improvements, expansions, or operational needs.
Do you offer construction or renovation loans?
Yes, we finance value-add projects, including renovations and ground-up construction, to help investors enhance property value and achieve their investment objectives.
Can you finance properties with existing liens or title issues?
We evaluate such situations on a case-by-case basis. If there’s a viable resolution path, we work collaboratively to structure a suitable financing solution.
Working with Brokers and Partners
Do you collaborate with mortgage brokers?
Yes, we highly value our broker relationships and offer competitive compensation for deals sourced through brokers.
Do you pay referral fees?
Yes, we offer referral fees to brokers and industry professionals who introduce qualified deals to us. Please contact us for more details on our broker program.