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California bridge loans. Simple. 100% online

California bridge loans. Simple. 100% online.

At BorrowLabs, we strive to bring modern user experience – simple, transparent, straightforward, and goal-oriented – into hard money lending.

We want California real estate investors to cross out the cumbersome process of obtaining a loan from their list of headaches, making it instead just a tiny checkbox on their to-do list.

We collect as little paperwork as possible from our borrowers, pulling as much data as we can from our vendors and sourcing the rest directly from the escrow.

Whether you fix and flip, rent, or refinance, we’ve got you covered.

Our pricing is totally transparent – check it out online, it's free, and no sign-up needed.

Lending Guidelines

$75k - $50m
4.35% - 9.99%
Origination Fee
2% to 4%
Term Length
6 to 360 months
Closing Time
3 to 5 days

Loan & Property Types

Loan Types
  • Bridge
  • Cash-out
  • Fix and Flip
  • Investment Property
  • Construction
  • Purchase
  • Refinance
  • Property Types
  • Single-Family
  • Multi-Family
  • Condominium
  • Loan Parameters & Fees

    Credit check required

    Interest-only loans

    Lend to forgien nationals

    Owner-occupied property allowed

    Will lend on purchases from auctions

    Does property have to be under contract

    Will provide proof of funds letter

    Has pre-payment penalities

    Minimum FICO score

    2nd position loans

    Lends on land

    Lends to first time borrowers

    Lends on ground-up construction

  • Underwriting
  • *

    = upfront,


    = 3rd party

    Areas Served


    (424) 337-1171
    8383 Wilshire Blvd, Ste 430
    Beverly Hills, California
    Year Established
    Number of Employees
    11 to 50
    License Numbers
    DBO/CFL: 60DBO-61880
    We Work With
    Borrowers, Brokers
    • Home
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    EmpireFunders, 2093 Philadelphia Pike #7979, Claymont, Delaware, 19703