Bridge to Permanent Loans
Need a loan that bridges the gap to long-term financing? We're a trusted leader in both short- and long-term private lending.
Loan Overview
Extend your investment with long-term financing.
Socotra Capital provides buy and hold loans for borrowers who need long-term financing for commercial, residential, or industrial properties.
Unlike traditional short-term hard money loans, our long-term hard money loans offer extended terms with flexible repayment options. This helps you pay down the loan principal over time, making it a great choice if you plan to keep your property for the long haul.
Loan Benefits
Seize opportunities with rapid funding solutions.
Our bridge to permanent loans give borrowers rapid access to funds when investment opportunities arise. We provide same-day prequalification to help you act swiftly in competitive markets.
With flexible terms extending up to 20 years and a straightforward approval process, you can easily transition from a short-term bridge loan to a long-term financing solution that fits your investment goals.
Loan Solutions
Maximize returns with flexible repayment plans.
Whether you’re looking to expand a residential property, extend a bridge loan, or implement a fix-and-hold strategy, Socotra Capital has solutions designed just for you.
With long-term loan terms and amortization choices, you can manage your cash flow more effectively while building and growing your real estate portfolio. We help you make the most of investments with financing that adapts to your goals.
Our "Buy and Hold" Approach
Use our financing to renovate and rent them out. Our flexible loan structure allows you to either maintain passive income or sell for a profit once the value goes up.
Tailored Financing Solutions
Our loans are designed for real estate professionals, including investors and property managers, who need long-term financing for non-owner-occupied properties. We support those looking to expand their portfolios and generate steady rental income.
Flexible Underwriting Guidelines
We work with borrowers from diverse financial backgrounds, including those with low credit scores, past bankruptcies, or foreclosures. By focusing on equity, we ensure that investors and landlords with varied financial histories can secure the funds they need.
Streamlined Approval Process
Our efficient process can take you from application to closing in as little as four days. With same-day prequalification and quick funding, we help you seize opportunities swiftly and maximize the potential of your real estate investments.
Property Types
- Commercial
- Residential
- Industrial
- And more!
Loan Amounts
Bridge to permanent loans range from $100K-$20M.
Loan Term
- Partially amortized loans
- Fully amortized loans
Loans Available
- Individuals
- Trusts
- Corporations
- Limited partnerships
- Retirement accounts
Loan Showcase
See Our Loans in Action
A real estate investor and their family, who own multiple commercial buildings, needed a quick solution to close on a 7-unit apartment complex. With the original bank unable to provide the $350,000 needed to finalize the purchase, Socotra Capital stepped in with a bridge loan to cover the shortfall, allowing them to close on time.
- Location: Sacramento, CA
- Loan Type: Refinance
- Loan Amount: $350,000
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What Our Customers Are Saying
“Socotra Capital was able to provide valuable insights and analysis to help us navigate the transaction, and their expertise and attention to detail were instrumental in getting the deal done on time and to the satisfaction of all parties involved."
Lenard Vaughn
Borrower
“The staff at Socotra is forever efficient, knowledgeable, and responsive on each transaction. You can expect a smooth closing with fantastic customer service each time."
Megan Pink
Borrower
“The team at Socotra understands that time is of the essence in real estate transactions. If speed and certainty of close is important to you, then Socotra Capital should be your lender."
Andrew Kotowicz
Borrower
“We’ve been Socotra investors for 11 years and couldn’t be more pleased with our relationship with this company. Beyond the outstanding rates of returns we’ve experienced, the team of Socotra professionals adhere to a strict and consistent investment philosophy that reduces variability compared to other hard money investment companies."
Tom Taylor
Investor
Guide
The Borrower's Guide: Hard Money for a Buy and Hold Investor
If you're a real estate investor who owns rental properties, there are several effective ways to finance your transactions. This e-book explains the various types of buy and hold loans, when it’s beneficial to work with a private lender, and what key questions to ask to make informed borrowing decisions. You'll also gain insights on how to leverage these loans to maximize your investment strategy.