Close your next deal in 7 to 10 days.
BFG funds bridge, rehab, and commercial real estate loans from $200K to $5M+. Asset-based decisions, a letter of interest within 24 hours, and direct access to the people who say yes.
- Letter of interest within 24 hours
- Decisions based on the deal, not just credit
- Lending across the Eastern U.S. and beyond
Financing built for investment real estate
Every loan is secured by real property and reviewed as a whole deal. If your project makes sense, we will find a way to fund it.
Bridge Loans
Short-term financing for purchase or refinance when timing matters more than paperwork. Move on a deal while banks are still scheduling meetings.
Rehab & Construction
Capital for renovation and construction projects, structured around the scope of work and the value you are creating.
Commercial & Mixed-Use
Asset-based lending for commercial and mixed-use properties, underwritten on equity strength and a clear exit strategy.
Single & Multifamily
Investment property loans for single-family and multifamily assets, including secondary homes held for investment.
1031 Exchanges
Time-sensitive exchange financing that keeps you inside your identification and closing windows.
Broker Partnerships
We work with experienced brokers every day. Bring your client's deal and we will keep you in the loop from submission to closing.
From application to funding in four steps
No committees, no black box. You deal directly with the underwriters making the decision.
Apply
Tell us about your deal in a 2-minute application. Our underwriting team reviews every request personally.
Letter of interest within 24 hoursReview & Accept
You get clear proposed terms in writing. Ask questions, talk to us directly, and accept when it works for you.
Diligence & Closing
Due diligence and closing run simultaneously so nothing waits in a queue.
3-10 business daysFund & Support
Your loan funds and our team stays available throughout the life of the project.
Straight answers before you apply
Most lenders make you call to find out if you qualify. Here is where we start.
| Loan amounts | $200,000 to $5,000,000+ |
|---|---|
| Loan-to-value | Typically up to 50% LTV, secured by strong equity positions |
| Property types | Single-family, multifamily, commercial, mixed-use, and secondary homes held for investment |
| Loan purpose | Purchase, refinance, rehab, construction, bridge, and 1031 exchange |
| Underwriting | Asset-based. Driven by property value, equity, and exit strategy, not just credit scores |
| Speed | Letter of interest within 24 hours, closings in 7-10 business days on average |
| Where we lend | Primary focus on the Eastern U.S., with deals funded in 20+ states |
Every deal is reviewed as a whole. If you need more than 50% LTV, additional properties or collateral can often keep the structure within guidelines. Loans are for business and investment purposes only.
“Banking is necessary. Banks are not.”The philosophy behind everything we fund
Experienced leadership you can trust
Bridge Financing Group is guided by seasoned professionals who understand the value of relationships and results.
Patrick Cottrell
Patrick began his lending career in 1993 at Great Western Bank and founded Dutchess Capital Corporation in 1997, expanding into private and institutional lending. Since 2000 he has focused fully on private lending, building a network known for consistent performance and lasting relationships built on trust.
Chris Gedney
Chris manages investor relations and capital strategy, bringing over 30 years of experience managing private equity lending portfolios. His background spans asset management and loan oversight across more than 20 U.S. states, with a strong record of disciplined lending performance.
Zachary Evans
Zachary is your first point of contact at BFG. He works directly with borrowers and brokers to structure loan requests and keep every deal moving from first call to closing.
Frequently asked questions
What is BFG?
We are an investment real estate lender focused on making real estate investing faster, simpler, and more transparent. Through our streamlined process, we connect borrowers and brokers with our network of capital partners ready to fund qualified deals.
How do I apply for a loan?
Complete our online loan application and a member of our underwriting team will review your request. Most proposals are returned within 24 hours, and we typically close approved deals in 7-10 business days.
How much can I borrow?
We fund loans from $200,000 to over $5 million, depending on the property's value and the overall structure of the deal. BFG typically lends up to 50% of a property's value (LTV), ensuring every loan is secured by strong equity and supported by a clear exit strategy.
What is Loan-to-Value (LTV)?
LTV measures the ratio between the loan amount and the total value of the collateral. It is how we evaluate equity strength and manage risk. We typically lend up to 50% LTV, focusing on strong equity positions and clear exit strategies.
Example: if a property is worth $1,000,000, a 50% LTV allows a loan of up to $500,000. If you need more than that, additional properties or collateral may be used to keep the LTV within guidelines.
How is BFG different from a bank?
Unlike traditional lenders, we do not rely solely on credit scores or rigid guidelines. Our process is fast, flexible, and asset-based, meaning loan decisions are driven by property value and potential, not just paperwork. We can move quickly when banks cannot.
How fast can I close?
Our average closing time is 7-10 business days, depending on the complexity of the deal and the borrower's responsiveness. Due diligence and closing run simultaneously, and we pride ourselves on clear communication throughout.
Who funds my loan?
Loans are funded through our exclusive network of private capital partners, including high-net-worth individuals, hedge funds, family offices, and other institutional investors. This diversity allows us to structure funding that fits each borrower's unique needs.
Can you work with out-of-state properties?
Yes. We fund investment properties in multiple states throughout the U.S., with a primary focus along the Eastern United States. Additional collateral may be required depending on jurisdiction and deal structure.
Do you work with brokers or direct borrowers?
Both. We frequently partner with experienced brokers and real estate investors. Whether you are representing a client or borrowing directly, our team ensures a smooth and transparent process from submission to closing.
Have a deal that makes sense?
Send it over. You will have a letter of interest within 24 hours, and a real person on the phone whenever you need one.