For a real estate rehab project in Seattle, Washington, I'd start by comparing local private lenders that finance both the property acquisition and renovation costs, plus a few larger lenders with dedicated fix-and-flip programs.
The key distinction: a standard bridge loan may only cover the property purchase, while a fix-and-flip or rehab bridge loan can also fund renovations through staged construction draws. Choosing the right type can make a big difference in how much cash you need upfront.
5 lenders I'd contact first
These are a mix of Seattle-area lenders and national lenders serving the market. Published terms are indicative, not approved quotes.
1. Eastside Funding
(Local lender)
Offers fix-and-flip, rehab, and bridge financing for investment properties. Worth contacting if you want a lender familiar with the Puget Sound market.
Publishes residential investment bridge and rehab loan programs for Washington State. Its listed residential bridge terms are 3–12 months, 9–11% interest, and 3–4% origination fees.
A local option advertising up to 90% loan-to-cost financing and 100% rehab financing through reimbursement draws. It lists loan fees starting at 1–2% or more and typical funding within 1–2 weeks.
A direct lender with a dedicated Seattle program for fix-and-flip, bridge, and construction projects. Its Seattle page advertises bridge rates around 9.125–11.5%, terms up to 12 months, and financing up to $15 million for eligible bridge loans.
A Seattle-based lender and broker focused on investment real estate. Its programs include bridge loans, fix-and-flip financing, construction, and rental-property financing. Ask whether it can structure one loan for both purchase and rehab.
As an initial comparison point, the published programs above suggest that some lenders advertise rates in the 9–12% range, but your actual quote will depend on the property, experience, leverage, and project scope.
Loan term
What to check
Interest rate
Fixed or variable; interest-only or amortizing
Origination fee
Often charged as a percentage of the loan
Purchase financing
Percentage of purchase price funded
Rehab budget
Whether 100% is funded and released in draws
After-repair value (ARV)
Maximum loan relative to completed property value
Term and extensions
Whether 6–18 months is enough to complete and exit
Exit strategy
Sale, refinance, or conversion to rental financing
Before paying application or appraisal fees, get a written term sheet showing the total cash required at closing, rehab draw conditions, extension costs, and prepayment penalties.
Let me narrow this down to the best lenders for your deal
The best lender depends heavily on your numbers. Tell me a little about the project and I can prioritize the most suitable options.
Share whatever you know; estimates are fine.
1. What's your exit strategy?
Renovate and sell (fix-and-flip)
Renovate and hold as a rental (BRRRR)
Bridge to long-term financing
Commercial or multifamily rehab
2. Estimated project numbers (USD)
Purchase price
[Input placeholder: e.g. 500000] (Current value unavailable.)
Rehab budget
[Input placeholder: e.g. 100000] (Current value unavailable.)
Estimated after-repair value (ARV)
[Input placeholder: e.g. 750000] (Current value unavailable.)
3. Your real estate experience
First project
1–2 completed projects
3 or more completed projects
4. How soon do you need funding?
Within 7 days
Within 2–4 weeks
Within 1–2 months
5. Approximate credit score (optional)
Below 680
680–699
700–739
740+
Prefer not to say
6. Property use
Non-owner-occupied investment property
My primary residence
Not yet determined
[Find my best-fit lenders]
Once I have those details, I can help you compare likely financing structures and identify which lenders to approach first.
Finding bridge and rehabilitation financing for a property in Seattle, WA typically involves working with local and regional private lenders, hard money lenders, or specialized commercial bridge institutions. Because bridge loans are short-term (usually 3 to 12 months), these lenders focus heavily on the asset's after-repair value (ARV) and your execution strategy rather than traditional long-term W-2 underwriting.
Here are the primary channels and specific regional providers where you can source bridge financing for a Seattle rehab project:
Local & Regional Private/Hard Money Lenders: Regional portfolio lenders understand the specific submarkets of King County and can close much faster than traditional banks.
Juniper Capital : A Pacific Northwest-based private lender providing fix-and-flip, investment residential bridge, and commercial rehab loans with terms typically spanning 3 to 12 months.
Unitas Funding : Offers hard money and short-term renovation financing in Seattle with a focus on quick draw turnarounds for construction and rehab milestones.
Online Lending Directories & Marketplaces: If you want to compare multiple direct private lenders or brokers who compete for your specific project type, you can use industry directories:
Local Commercial Banks and Credit Unions: Regional banks in the Pacific Northwest (such as Banner Bank, Umpqua Bank, or local credit unions) occasionally offer commercial real estate bridge or line-of-credit products for experienced developers, though they have stricter documentation requirements and longer closing timelines than private money sources.
To help narrow down the best specific lender or loan structure, tell me:
Is the property residential (1–4 units) or commercial / multifamily?
What is your estimated purchase price and rehab budget?
Yes. For a Seattle property rehabilitation project, there are several credible bridge/private-money options. The best choice depends heavily on whether the property is residential, multifamily, or commercial, and whether you need funds for acquisition + rehab or just the rehabilitation.
For a Seattle rehab/bridge loan, I’d shop several lenders rather than declare one “best”—the right lender depends heavily on purchase price, ARV, rehab budget, experience, and how much cash you want to bring.
My Seattle shortlist
Lender
What stands out
Published terms / positioning
Eastside Funding
Local Kirkland lender; rehab + bridge + fix/flip
Their current program includes rehab, bridge, fix/flip and construction financing; they emphasize speed and flexible structures.
Intrust Funding
Washington-focused private lender
Seattle-area source reports rates starting around 12%, 2–4 points, 5–12 month terms, with some deals reaching 90% LTV.
Northwest Private Lending
Local Bellevue private lender
Investor-focused, collateral-based lending and time-sensitive transactions; local reviews emphasize fast execution.
Juniper Capital Corporation
More relationship/creative-underwriting oriented
Issaquah-based private-money lender focused on business-purpose real estate and investment/development deals.
Kiavi
National, streamlined process
Seattle market data currently shows roughly 9.5%+ starting rates, up to 90% LTV and $3M loans, with typical 7–14 day closing estimates.
Wilshire Quinn Capital
Large loan / lower-LTV situations
Publishes $200K–$20M loans, up to 60% LTV, 3–24 months and typical 5–7 day funding; direct lender rather than broker.
Capital Kings
Broker-shopping multiple lenders
Says it shops 400+ lenders and currently advertises Washington programs from 8.99%, with up to 100% rehab funded through draws. It's a broker, not a direct lender.
If this were my deal
I'd get 3 term sheets simultaneously:
Eastside Funding — local lender and directly relevant to Seattle rehab/bridge.
Northwest Private Lending or Intrust Funding — another local/private-money quote for comparison.
Kiavi or Capital Kings — gives you a national/broker benchmark so you can see whether the local lender is actually competitive.
The important comparison isn't just the interest rate. Ask each one for:
Purchase LTV and total LTC
Maximum ARV
How much of rehab is funded
Points/origination
Draw fees and inspection fees
Interest calculated on total commitment vs. drawn balance
Minimum interest period
Extension fee and extension requirements
Prepayment penalty
Personal guarantee
Recourse provisions
Expected closing date
Whether interest reserve can be financed
For example, a lender advertising 9% can easily be more expensive than a 10–11% lender once points, unused-capital interest, draw fees and extension costs are included.
One Washington-specific caution
Washington DFI says borrowers should verify the lender's authorization/license before applying. It also notes that loans primarily for business/commercial purposes can fall under an exemption from the Consumer Loan Act, so don't assume that every private lender needs the same type of Washington license.
If you give me your purchase price, rehab budget, ARV, property type, credit score, and how many flips you've completed, I can narrow this to the lenders/programs whose published leverage actually fits your deal and calculate the approximate cash-to-close.
There is no single "best" hard money lender for a Seattle rehab, as the right choice depends on your timeline, experience, and leverage needs; however, top local direct lenders like Intrust Funding, Juniper Capital , and Rain City Capital consistently rank as the top choices in Washington State.
Top Local Hard Money Lenders in Washington
Intrust Funding : Best for extreme speed and minimal red tape. They offer closings in as fast as 48 hours with internal valuations (no appraisals) and a streamlined photo-based draw process for rehabs rather than third-party inspections.
Avatar Financial Group
Larger commercial/value-add projects
Seattle-based commercial bridge lender. $1M–$50M+, 6 months–3 years, up to 70% LTV; renovation reserves can be included.
Certain Lending
Seattle investment-property borrowers
Local investor-focused lender/broker; worth approaching for a smaller or mid-sized investment rehab deal.
Washington-focused private lender; useful for unusual investor, rehab and commercial scenarios.
Rain City Capital
Fix-and-flip / residential rehab
Kirkland-based private lender focused on residential investment, construction and renovation transactions.
Seattle Funding Group
Larger bridge/transitional deals
Seattle-based private portfolio lender with dedicated bridge, transitional and construction programs and in-house funding/servicing.
Private Capital Northwest
Commercial/investment property
Offers bridge loans, fix-and-flip rehab, construction and investment-property loans throughout WA; typical loans range from $100K to $10M+, with up to 75% LTV.
WADOT Capital
Rehab/construction
Washington-based direct lender specifically advertising real-estate rehabilitation, construction and commercial loans.
Penstock
SFR, 2–4 units, condo/townhome, multifamily
Seattle lender offering bridge loans up to $5M, up to 80% LTV and 6–24-month terms.
One option I'd investigate if the project is nonprofit/community-oriented
Impact Capital's bridge-loan program is particularly interesting if this is affordable housing, community development, or another mission-oriented project. Its published bridge product can finance acquisition, pre-development, construction/rehabilitation and certain soft costs, with loans up to $3 million and terms up to 36 months.
If you want to shop several lenders at once
B-Line Capital operates as a broker rather than a direct lender and says it shops Seattle bridge deals among private lenders, family offices and commercial capital sources. It advertises commercial bridge loans and typically charges 0.5–2 points in broker fees.
That's potentially useful if you don't want to submit the same package individually to 5–10 lenders.
What I'd target
For a rehab project, I'd generally approach lenders in this order:
Local private lender — fastest and most flexible when the property needs substantial work.
Commercial bridge lender — preferable for multifamily/commercial properties or larger loans.
Bridge + rehab facility — ideal if you need both acquisition money and construction draws.
Bank/credit union construction or renovation loan — potentially cheaper, but usually slower and more restrictive.
One important distinction: don't just ask for a "bridge loan." Tell the lender you need an acquisition/rehabilitation bridge facility with construction draws if that's what the project requires. That will get you to the appropriate underwriting desk much faster.
For context, current advertised private-money pricing varies substantially: Juniper advertises 9–11% for its residential bridge product, while Avatar advertises roughly 9.5–11.5% for its commercial bridge product. Those are advertised starting/typical ranges, not quotes for your particular project.
If you give me (1) property type, (2) purchase price/current value, (3) rehab budget, (4) expected completed value, (5) amount you need to borrow, and (6) whether it's owner-occupied, I can narrow this to the 5–7 lenders most likely to finance your specific Seattle deal and compare their likely leverage, rates, points, term, and construction-draw structure.
Juniper Capital : Best for experienced Pacific Northwest investors looking for competitive short-term residential and commercial bridge terms. Rates typically range from 9.00% to 11.00% with 3.00% to 4.00% origination fees on interest-only structures.
Rain City Capital : A Kirkland-based direct lender established in 2009 that handles high volumes of Washington fix-and-flips, bridge loans, and rental portfolio financing. They are deeply familiar with neighborhood-specific values across the Puget Sound region.
Ridge Street Capital : Best for first-time local investors. They feature a high-FICO program offering up to 90% of purchase plus 100% of the renovation budget if your credit is 740+ and the rehab scope is under 50% of purchase price. Interest is only charged on drawn renovation funds.
Comparison of Key Lenders
Lender
Typical Closing Speed
Interest Rates
Standout Feature
Intrust Funding
48 hours
Varies by deal
No appraisals, photo-based draws
Juniper Capital
Fast/Custom
9.00% – 11.00%
Good for experienced investors
Rain City Capital
Fast direct
Varies by deal
High local market volume
Ridge Street Capital
7 business days
Starts at 10.5%
First-time investor friendly
If you share details like your estimated rehab budget, purchase price , and prior flip experience , I can help you narrow down which of these lenders fits your project parameters best.
