LENDING
solutions
Bluebono provides a full range of private lending solutions to support real estate investors at every stage of a project.
We offer short-term bridge financing for purchases and refinances, renovation capital for fix-and-flip or value-add projects, and ground-up construction financing for new development.
Each program is designed to deliver speed, flexibility, and certainty of execution in today’s fast-moving market.
We lend on residential investment properties including single-family homes (1–4 units), multifamily buildings, and mixed-use assets. Commercial properties such as office, retail, and warehouse will also be considered.
We focus on assets located in established or growing markets with strong fundamentals. We generally do not lend on rural properties, raw land, mobile or manufactured homes, or housing that is age-restricted or rent-restricted.
Bluebono’s strategic footprint focuses on markets with strong demand, active investor participation, and resilient real estate performance. We currently lend in:
CA, CO, CT, DC, FL, GA, IL, IN, KS, KY, LA, MA, MD, MO, NC, NJ, NY, OH, OK, RI, SC, TX, WA, WI, WV.
As we grow, we will continue expanding into additional states where our capital can create the greatest impact.
Our loan sizes generally range from $100,000 to $10,000,000, with the flexibility to go higher for exceptional sponsors. Bluebono lends from its own balance sheet and works with committed capital partners, allowing us to maintain full control over credit decisions while giving borrowers access to scalable financing when their projects demand it.
We combine proprietary data analytics with market-driven valuation tools to assess opportunities accurately and efficiently. Each loan is evaluated based on program guidelines, the project’s fundamentals, and the borrower’s credit and experience. All applications are processed through our digital lending portal, allowing for fast, transparent approvals and a streamlined closing experience.
Transparency is central to our lending philosophy. Bluebono’s fees generally include origination points, processing, and underwriting fees. Additional costs typically come from third-party service providers selected by the borrower, such as appraisal and title.
Our long-term mission is to continue improving our technology and lending ecosystem so your financing remains efficient, scalable, and cost-effective over time.
Bluebono is built to help originators and real estate investors succeed.
For originating partners, we provide consistent capital and operational technology so you can maintain client relationships without relying on costly third-party systems.
For larger-scale investors, such as builders and developers, we offer financing combined with strategic guidance to help expand portfolios, institutionalize processes, and build long-term value.
Beyond traditional loan programs, Bluebono offers table funding, note purchases, and customized financing structures to meet the needs of our partners.
We aim to serve as a flexible and forward-thinking capital provider, capable of supporting a wide range of investment strategies.
Residential Programs
1
Investment Bridge
Our Investment Bridge program delivers fast, flexible capital for short-term needs, including acquisitions, refinances, and value-add or transitional projects. With discretionary capital and an expedited credit process, we help borrowers move quickly and confidently—whether seizing a time-sensitive opportunity or stabilizing a maturing loan.
Loan Amount: $100,000 to $3,000,000
Term: 6–12 months
Payment Structure: Interest-only payments
Prepayment: No prepayment penalty
Extensions: Available upon review
Leverage: Up to 80% LTV for purchase or cash-out refinance
adjusted based on market conditions and compensating factors
Lien Position: First Trust Deed only
Credit Requirements: Minimum 660 FICO
foreign nationals and lower scores considered with strong compensating factors
Rates: 8.5%–12.5%
depending on credit profile, leverage, and property type
2
Property Renovation
Our Property Renovation program provides tailored capital for both light upgrades on stabilized homes and full-scale rehab projects requiring structured construction budgets. We underwrite each business plan in detail to ensure the loan aligns with your project scope, execution timeline, and projected after-repair value.
Loan Amount: $100,000 to $3,000,000
Term: 6–18 months
Payment Structure: Interest-only payments (Non-Dutch)
Prepayment: No prepayment penalty
Extensions: Available upon review
Leverage: Up to 90% LTC
100% of Rehab Costs
75% of LTARV
adjusted based on sponsor experience and project complexity
Lien Position: First Trust Deed only
Credit Requirements: Minimum 660 FICO
alternative credit profiles considered with strong compensating factors
Rates: 8.5%–13%
depending on project scope, experience, and risk profile
3
New Construction
Our New Construction program provides structured capital for ground-up development, from entitlement and site preparation through vertical build and final stabilization. We tailor each loan to the project’s scope and timeline, delivering the responsiveness, reliability, and flexibility needed to close complex development deals with confidence.
Loan Amount: $100,000 to $10,000,000
Term: 6–24 months
Payment Structure: Interest-only payments (Non-Dutch)
Prepayment: No prepayment penalty
Extensions: Available upon review
Leverage: Up to 80% LTC
65% of LTARV
adjusted based on sponsor experience and project specifics
Lien Position: First Trust Deed only
Credit Requirements: Minimum 660 FICO
alternative credit profiles considered with strong compensating factors
Rates: 9%–14%
depending on project scope, experience, and risk profile
property type
Residential
Ideal for families and small investors — 1–4 unit residential properties offering comfort, stability, and long-term value.
Multi-family
Tailored financing for stabilized and transitional apartment properties.
Mix-used
Flexible capital for mixed-use buildings combining residential and commercial components.
Office
Bridge loans for office buildings undergoing repositioning, lease-up, or recapitalization.
Industrial
Funding for warehouses, distribution centers, and light industrial properties.
COMMERCIAL Programs
Loan Inquiry
