Frequently Asked Questions

A bridge loan is short-term financing secured by real estate, used to close quickly on an acquisition, refinance expiring debt, or fund a project until permanent financing is in place. Atlas Invest’s sweet spot is $200K–$7M, with loans up to approximately $20M considered upon review. Terms range from 3 to 24 months, secured by a first lien on the property.

Yes. Atlas is a direct private lender, not a broker or a marketplace. We underwrite, approve, and fund with our own capital, which is why we can issue a term sheet in under 24 hours and fund in as few as 3 days on exceptional, fully prepared transactions. Working directly with the lender means fewer handoffs, no middleman fees, and one team accountable from term sheet to funding.

Yes, in exceptional cases. Atlas can fund in as few as 3 days when title is clean, valuation is available, the borrower has complete documents ready on day one, and the deal is straightforward. Many deals take longer depending on title, appraisal, documentation, and deal complexity.

With Atlas, you receive a term sheet in under 24 hours and funding can occur in as few as 3 days on exceptional, fully prepared transactions. Many deals take longer depending on title, valuation, documentation, and deal complexity. Traditional lenders typically take 45 to 90 days.

Multifamily, mixed-use, condo, and single-family residential (SFR) investment properties in US metropolitan areas. We do not finance owner-occupied homes.

Bridge loans, bridge-to-perm, condo inventory loans, and bridge financing for refinances and construction take-outs.

Atlas bridge loans start at 10% interest with terms of 3 to 24 months. Rates depend on the deal’s leverage, property type, and exit strategy. Industry-wide, bridge loans typically run 8% to 12%, higher than bank financing in exchange for speed and certainty.

Up to 75% loan-to-value (LTV) or up to 80% loan-to-cost (LTC), with a $200K–$7M sweet spot and loans up to approximately $20M considered upon review.

Atlas underwrites the asset first: property value, equity position, and a credible exit strategy (sale, refinance, or stabilization) matter more than personal income. You will need a first-lien position available on the property and a clear plan to repay at maturity.

Asset-based bridge lenders like Atlas weigh the property and exit strategy more heavily than credit score, unlike banks that typically require 680+. Credit is reviewed, but a strong deal can offset an imperfect score.

A bridge loan secured by unsold condo units in a completed or nearly completed project. It lets developers pay off construction debt and unlock equity while units sell. Atlas closed a $6.5M condo inventory loan in Manhattan as TCO approached.

The exit strategy is how you will repay the bridge loan at maturity: selling the property, refinancing into permanent debt (bank, agency, or HUD), or selling condo inventory. A documented exit is the single most important factor in bridge loan approval.

Send us a deal and you get a term sheet in under 24 hours, guaranteed terms, and proactive updates through closing. Your fee is protected, and our term sheet guarantee means no re-trading.

The terms we quote are the terms we close on. No bait-and-switch, no last-minute repricing. The deal you present to your client is the deal that funds.

Through the Atlas Partner Program, attorneys, realtors, CPAs, title agents, and connectors earn up to 0.5% of the loan amount when a referred deal closes. You send the introduction; we do the work.

Private credit is lending that happens outside banks and public bond markets. Real estate-backed private credit means your investment is secured by a first lien on physical property. If the borrower defaults, the property serves as collateral.

Atlas builds tailored, fully managed debt portfolios of mid-size, first-lien bridge loans on residential properties in US metropolitan areas. Our AI-supported underwriting and continuous monitoring are designed to lower risk while maintaining strong, consistent returns.

Returns come from interest income, historically more predictable than equity appreciation. First-lien real estate private credit has typically yielded high single to low double digits annually, depending on duration and leverage. Speak with our team for current offerings.

Debt holders get paid first. As a first-lien lender, you have a senior claim on the property, and equity investors absorb losses before you do. Short loan durations (3 to 24 months) also reduce exposure to market cycles.

Atlas works with accredited investors, family offices, and institutional investors. Request a private consultation to discuss your strategy and risk profile.