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.[](https://www.junipercapitalcorp.com/loan-programs/fix-and-flip-loans/)
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.
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, I’d look for a Washington-focused hard money lender that specializes in fix-and-flip and bridge loans, rather than a general commercial mortgage lender. The best choice depends on how quickly you need to close, the property’s after-repair value (ARV), your renovation budget, and whether you’re buying the property or refinancing one you already own.
I’d compare lenders on five things: closing speed, maximum loan-to-cost (LTC), whether they lend against ARV, rehab-fund draw terms, and the total cost including origination points and extension fees.
My top 5 lenders to contact
Based on the current search results, these are the lenders I’d put on your shortlist. This is a practical shortlist, not a guarantee that any lender will offer the best terms for your specific deal.
1. Eastside Funding
(Local lender)
Best for local flexibility and fast funding
Kirkland-based direct lender offering fix-and-flip, rehab and bridge loans. Its business listing describes funding as quickly as 72 hours for some deals. Confirm whether that means approval, closing or funded proceeds.
Seattle-based mortgage lender/broker with fix-and-flip, bridge and construction financing. Worth contacting if you want to compare different financing structures rather than rely on a single loan program.
Bellevue-based private lender serving investors with rehab, fix-and-flip, construction and bridge loans. A candidate for deals requiring local underwriting experience.
Publishes residential bridge terms of 3–12 months, rates of 9–11%, and origination fees of 3–4%. Particularly worth considering for larger investment, multifamily or construction projects.
Offers technology-driven fix-and-flip and bridge financing. The Seattle comparison listing reports advertised starting rates around 9.5%, with actual pricing dependent on borrower and project qualifications.
Before choosing a lender, get written term sheets from at least three candidates and compare:
Loan term
What to ask for
Interest rate
Fixed or variable, and whether interest accrues on the full commitment or funds drawn
Leverage
Percentage of purchase price, rehab budget and ARV
Rehab draws
How quickly draws are released and whether inspections cost extra
Origination
Points, underwriting fees, broker fees and closing costs
Exit
Extension fees, prepayment penalties and refinance requirements
The lowest advertised rate isn't necessarily the cheapest loan. A lender charging more but funding renovation costs efficiently could be better for a time-sensitive Seattle project.
Let’s narrow it down to the best lender for your deal
I can narrow this shortlist substantially with three details.
1. What type of bridge loan?
Buying a property and renovating it
Refinancing a property I own and renovating it
Short-term loan while waiting to sell another property
Renovate now, refinance into a rental loan later
2. Approximate loan amount
[Input placeholder: e.g. 500000] (Current value unavailable.)
Estimated renovation budget (optional)
[Input placeholder: e.g. 75000] (Current value unavailable.)
3. How quickly do you need funding?
Within 7 days
Within 14 days
Within 30 days
Flexible timing
Your rehab experience (optional)
First project
1–3 completed projects
4+ completed projects
[Find the best lender for my deal]
I can also compare current lender rates and fees or build a lender-ready deal summary.
When looking for the "best" hard money or bridge lender for a rehab in Seattle, it really depends on your project size, how fast you need to close, and whether you want a hyper-local boutique team or a scaled regional portfolio lender.
The top-rated and most active hard money lenders specializing in Seattle and Washington state bridge/rehab projects include:
Eastside Funding – Based right in the Puget Sound area, they are a staple for local fix-and-flip investors. They are known for incredible speed (closing in as fast as 3 days), high leverage options (sometimes funding up to 100% of purchase/rehab for experienced borrowers), and skipping traditional hurdles like lengthy appraisals.[](https://www.eastsidefunding.com/)
Seattle Funding Group (SFG) – Operating for over 35 years, SFG is a premier regional portfolio lender. They are the go-to choice if you have a larger, more complex, or higher-end bridge/rehab or construction project ($1M+) and want a direct, relationship-driven lender that services its own loans.[](]()]()
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.
Rain City Capital – Headquartered in Kirkland, they focus heavily on Western Washington fix-and-flips and bridge financing. Local investors frequently praise them for deep local market knowledge regarding Seattle-area zoning, ADU/DADU builds, and a reliable draw-request process.[](https://privatelenderlink.com/region/usa/washington/seattle/hard-money-seattle-washington-usa/)
Legacy Group Capital – Another prominent Pacific Northwest-based private lender specializing in residential rehab, bridge, and ground-up construction loans with a streamlined local underwriting desk.
Easy Street Capital – If you want a hybrid national/statewide player with immense flexibility, they offer rapid 24-to-48-hour close fix-and-flip and bridge programs in Washington with minimal documentation and no tax returns required.[](https://easystreetcap.com/hard-money-loan-washington/)
Quick Market Context for 2026
Rates & Terms: Short-term bridge and rehab rates in Washington have been averaging roughly 9.70% to 10.5%, with origination points typically landing between 2% to 4.5% depending on the leverage and your track record.
