Specialty bridge lending
Intelligent Lending.
Greater Possibilities.
A short-term second mortgage that pays off high card balances directly, so equity-rich homeowners with strong payment history can move to a better permanent loan.
For mortgage brokers, lenders and their clients. Not a commitment to lend.
Scenario snapshot
IllustrativeCard utilization
87% → 0%
Monthly debt payments
$2,153 → $949
- Cards paid directly by EquiBridge
- Exit loan pre-approved, pending score
- Fully amortizing fallback if no exit
For brokers & lenders
Turn your “almost” files into closed loans
Clients with strong equity and on-time payments, held back by card balances. We bridge them; you keep the relationship and the exit loan.
How it works for partners →For homeowners
Use your equity to clear the cards holding your score down
One affordable payment instead of several high-rate cards, and a clear path toward a better long-term loan.
How it works for homeowners →How it works
Two stages in about six weeks
01
Screen & pre-approve
Full documentation, plus a conditional exit-loan approval pending the target score.
02
Bridge closes
A closed-end second mortgage pays the chosen cards directly. No cash to the borrower.
03
Credit updates
Card issuers report $0 balances. A lender rapid rescore can speed reporting.
04
Exit to a better loan
The pre-approved loan pays off the bridge, when it truly helps the borrower.
Solutions
Built for the files traditional lending misses
Combination Bridge Loan
A closed-end second that pays off revolving debt directly, with the exit loan lined up before closing.
Scenario Review
Send a file and get a readiness report: payoff plan, projected DTI and CLTV, and the best exit path.
Partner Platform
For credit unions and servicers: find existing members who could qualify after a defined payoff. Coming soon.
Why EquiBridge
Lending designed around a clear exit
Exit lined up first
Every bridge starts with a conditional exit-loan approval in the file.
Paid directly to creditors
Funds go straight to the card issuers, so the debt is actually retired.
Affordable on its own
Full documentation and ability-to-repay, even if no exit happens.
Fast scenario review
Readiness report back to brokers in [48 hours].
Have an “almost” file? Send us two scenarios.
Strong equity, on-time payments, scores held down by card balances. We’ll tell you within [48 hours] whether a bridge fits.