Your Bridge Between Business Needs and Traditional Financing

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Can’t Wait for Bank Financing

Real estate entrepreneurs are routinely faced with attractive offers that are either off-market or require quick turnaround times. As a result, they need financing quickly in order to secure the transaction. Conventional lenders typically require pre-approvals, loan applications, and longer underwriting periods which can lead to 45-60 day closing timelines. Bluestone is privately capitalized and able to act quickly to benefit these real estate entrepreneurs. Generally speaking, Bluestone can close a loan in 14 days contingent upon third-party reports (appraisal, title, environmental, etc.). Sometimes these third-party reports are already complete leading to short closing windows even as soon as 3 business days! Once the acquisition is secured, typically these borrowers refinance through a conventional lender as a way of securing long term financing for their rental properties. 

Need Time to Meet SBA Qualifications

Many business owners utilize the SBA 7(a) program to purchase or refinance real estate that they occupy with their businesses. This program provides long term financing for business owners who need to acquire secondary/tertiary locations or working capital for their operating business. In order to receive a loan commitment under the 7(a) program, SBA lenders require business owners to meet certain credit requirements; credit score, credit history, debt-to-income ratios, etc. When these requirements are not met, business owners are often faced with challenging financial conditions. Bluestone is able to help “bridge” these business owners quickly and provide the capital necessary to help these businesses through transitional periods.

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Want Cash from Your Current Real Estate Equity

As a private lender, Bluestone has the ability to provide unique and flexible financing solutions for real estate investors and owner-occupant small business owners. Many of these borrowers, for example, have much of their net worth tied to their real estate portfolio. As a result, they often seek out cash-out refinances to access equity from their real estate holdings. This occurs when a lender, like Bluestone, provides a new mortgage on a property that exceeds the borrower’s existing mortgage balance, allowing the borrower to keep the difference in the form of cash. Bluestone not only offers these customized financing solutions, but does so quickly and efficiently so that the borrower can pull out the cash necessary to cover incoming expenses or even purchase additional real estate assets.

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