Urban Mutual’s urgent bridge funding solutions, offer quick and easy finance for real estate investors and developers that need immediate capital for a variety of unforeseen circumstances that require creative, decisive, and rapid execution, such as time-sensitive real estate acquisitions and unanticipated expense overruns.  Essentially, it is a short-term bridging finance solution, pending the arrangement and approval of alternative funding in orderto see the project through to completion. 


Urban Mutual’s Bridge Funding Programs are typically shorter term duration, and are provided for 1 month up to 12 months to qualified borrowers.


Urban Mutual’s Bridge investment is between 10% to 100% of the equity stack contribution, and ranges from $25,000 to $500,000 on a per project basis.



Urban Mutual, in association with its Institutional Wholesale Debt partners, can provide multimillion-dollar Lines of Credit (LOC) to professional, high volume Fix & Flip developers.


Urban Mutual’s wholesale debt partners are best-in-class institutional funds, with the in-house resources to help our developer partners gain a significant edge, and expand their development production capacity by achieving a blended 100% LTV/LTC funding solution, in conjunction with Urban Mutual’s Preferred Equity and Mezzanine Funding Program. 


Program Highlights:

  • Access to blended first mortgage and mezzanine financing, for investor (non-owner occupied) based Fix & Flip Renovations, and New Construction Projects.

  • First Mortgage credit lines up to $10,000,000.

  • Local underwriting support, and professional risk management services.

  • Annual Credit Pull with Seamless, Friction-Free Origination.

  • Urban Mutual can ‘Credit Enhance’ the Developer Borrower (Co-Guarantor, FICO, Balance Sheet).

  • Hands-on funding program and process flow, with in-house training and support.

  • Nationwide (41 states).

  • Friendly and responsive operations, and business development team to support your business.


At Urban Mutual, we are dedicated to offering wholesale funding solutions that improve our level of service to our developer and investor clientele.  We do this by providing outstanding client care, through consistent and reliable communication.  This mission to care, allows Urban Mutual to uniquely serve our customers with the exceptional service of a small boutique investment and corporate advisory firm, but the foundation and stability of a larger financial institution.


Our team has an unwavering commitment to our core values of honesty, integrity, and respect, which results in the delivery of highly desired, risk-averse, high quality products, and exemplary services.


When it comes down to it, we are in the business of helping our partners succeed, by providing a turn-key, one stop funding resource that maximizes their ability to successfully build their business.  To do so, we stay up to speed with the market, keep our costs low and our actions quick, and support our client’s operations, methods and needs to help them grow and succeed above expectations. 

© 2017 by Urban Mutual, SPC

All Californian loans are made or arranged pursuant to a California Finance Lenders Law license (Urban Mutual, SPC, CFL License No. 60DBO-82334). Urban Mutual, SPC makes business purpose loans only and does not originate or acquire owner-occupied residential mortgage loans. Information, rates, and pricing are subject to change without prior notice. All loans are subject to borrowers and underlying collateral meeting Urban Mutual, SPC’s then-current underwriting criteria. Other restrictions apply.