Bridge loans in Arizona.
Short-term capital that gets an investment deal closed now and paid off whenever your exit is ready — a sale, a refinance, or long-term financing. 12% interest, zero points, zero fees, and no penalty for leaving early.
Terms with nothing hiding in them.
A bridge loan is bought time: close the opportunity today, arrange the permanent money on your schedule. The catch at most lenders is that the bridge is where the fees live — points going in, minimum interest in the middle, exit fees going out. Ours has none of that, because we lend our own capital and the rate is the whole price. Weeks or months, you pay only for the days you use.
| Interest rate | 12% — the entire cost of the loan |
| Points & fees | Zero. No origination, processing, underwriting, appraisal, draw, or extension fees |
| Leverage | Up to 85% of total cost (purchase + rehab/build) |
| Approval | Typically within 1 hour of your call |
| Funding | As fast as the same day once title is ready |
| Draws | Funded in about 24 hours, managed in-house |
| Exit | No prepayment penalty, no minimum interest, no payoff fee |
| Qualifying | The deal qualifies you — no credit pull, no tax returns |
The math on a typical deal.
You need $400,000 to close a Tempe fourplex before your DSCR refinance is ready. With Kayak, three months on the bridge costs $12,000 in interest — and when the refinance funds in week ten instead of week twelve, you simply pay off early and stop paying. The same bridge at a lender charging 2 points plus a 90-day minimum-interest clause would cost $8,000 in points on day one and bill you for the unused weeks anyway.
Related reading: BRRRR bridge lending compared · how loan-to-cost works
From first call to funded.
- Call with the deal and your exit plan. Approval typically within the hour.
- Close in days, not weeks — no committee, no appraisal queue.
- Exit whenever you're ready. Sale or refinance, early or on time: no prepayment penalty, no minimum interest, same-day payoff statements so your takeout lender closes on schedule.
Common questions.
What does a bridge loan cost in Arizona?
At Kayak Capital, 12 percent interest and nothing else: zero points, zero fees, no minimum interest, and no prepayment penalty. You pay only for the time you actually use the money.
How fast can an Arizona bridge loan close?
Approval typically takes under an hour and funding can happen within days — same day in urgent cases once title is ready. We lend our own capital, so there is no committee between you and a yes.
What can I use a bridge loan for?
Non-owner-occupied investment real estate across Arizona: buying before you sell, closing fast on a deal your long-term lender can't reach in time, pulling equity to fund the next acquisition, or carrying a property to stabilization before a refinance.
Is there a penalty for paying off a bridge loan early?
Not with us. No prepayment penalty, no minimum interest, no exit or payoff fee, and payoff statements the same day your title company or refinance lender asks.
Do you require an appraisal or credit check?
No. We evaluate the property in-house and underwrite the deal — no credit pull, no tax returns, no third-party appraisal delay.