ARCH Bridge Loans

Newport Beach, CA

CA DRE 01980596

Our Take

Arch Loans delivers fast private funding for real estate investors, with closings in as little as 7 to 10 days and quick approvals thanks to their self-funded model and deep industry experience. They offer specialized products like fix-and-flip/rehab loans, bridge financing, ground-up construction, buy-and-hold, and transactional funding for residential and small multifamily properties, with flexible terms tailored to experienced borrowers in key Western states.

Funds

Experienced Real Estate Investors
Investment Properties
First Trust Deeds
Up to 100% of Purchase Price

Does Not Fund

Owner-Occupied Homes
Multifamily Properties
Ground-up Construction
2nd Positions
Land

Loan Programs

Bridge Loan

Short-term, property-backed financing for real estate investors with competitive rates.

80%

LTV

9.50%

Interest

$150k to $5m

Amounts

6 to 24 months

Term

Loan Guidelines

Funded in 3 to 10 days
1 to 3 origination points

Eligible Property Types

Residential, Small Multifamily, Condos

Key Requirements

Loans are for investment properties only (non‑owner occupied)
Property must be investment real estate, typically residential or small multifamily
First trust deed only
Personal guarantee required on loans
Appraisal is typically required to verify value and support the loan

Additional Details

Underwriting focuses on the property and deal quality (value and plan)

See all loan specs

Loan Program
Loan Type	Bridge

Property Types
Residential, Small Multifamily, Condos

Loan Economics
Loan Amount	$150k to $5m
Loan Term	6 to 24 months
Origination Fee	1 to 3 points
Interest Rate	9.50%
Loan-to-Value (Max)	80%
Payment Structures	Interest-Only

Loan Profile
Second Position Loans Allowed	no
Prepayment Penalties	no
Extensions Allowed	yes - 6 month extension starting at 1 to 2 points

Property Profile
Owner-Occupied Properties Allowed	no

Borrower Profile
First-Time Investors Allowed	no
Foreign Nationals Allowed	yes

About ARCH Bridge Loans

Based in Newport Beach, California, ARCH Bridge Loans is a direct private lender serving property investors across California, Utah, Arizona, Colorado, Nevada, and Oregon.

⁠The firm has underwritten more than $2B in commercial and residential real estate loans, providing capital for a wide range of investment strategies.

⁠ARCH Bridge Loans specializes in financing for experienced fix-and-flip investors, wholesalers, and buy-and-hold operators.

Borrowers can access multiple loan options and pricing quickly through the company’s online portal.