Short-Term Loans - Flexible Financing When Timing Matters

When you need quick access to funds for a time-sensitive opportunity or expense, a short-term loan can offer the flexibility you're looking for. Whether you're bridging a gap before long-term financing kicks in, covering urgent business costs, or making a strategic investment, Elias Mortgage can connect you with fast-turnaround options that don't involve long paperwork trails or rigid requirements.

Use a Short-Term Loan to Move Quickly & Confidently

Short-term loans are typically structured as interest-only or balloon-payment loans with terms ranging from a few months up to 2-3 years. These are best suited for borrowers who need funding fast, plan to refinance or pay off the loan soon, and want to avoid the red tape that can slow down traditional underwriting. They're often used for:

  • Bridge financing for real estate purchases or fix-and-flip projects
  • Business capital for payroll, inventory, or emergencies
  • Investment opportunities that require fast decisions
  • Paying off liens or judgments that block other financing
  • Refinancing other debt with tighter timelines or balloon payments

In New Jersey's competitive market-whether you're operating in Edison, New Brunswick, or throughout Middlesex County-timing is everything. A short-term loan can give you the leverage to act quickly.

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What Sets Short-Term Loans Apart

Unlike conventional long-term mortgages or SBA loans, short-term financing focuses less on documentation and more on asset value and repayment strategy. These loans often:

  • Fund quickly-sometimes within days, not weeks
  • Allow higher risk profiles (e.g., lower credit scores, recent credit issues)
  • Focus on exit strategy (like planned sale, refi, or capital event)
  • Are available for both residential investment and commercial real estate
  • Require more equity or down payment to offset the risk

While rates may be higher than long-term financing, the convenience and access to fast capital can more than make up for it when used strategically.

Do You Qualify for a Short-Term Loan?

We look at the whole picture-your property, your plans, and your timeline. Approval is based on:

  • Equity or value in the property (typically need strong LTV position)
  • Clear repayment or exit plan (sale, refinance, etc.)
  • Borrower credit profile (some lenders accept low scores if equity is strong)
  • Income and reserves (if needed, though not always required)
  • Business plan (if used for business, flip, or investment)

Because we work with a wide network of private lenders and non-bank sources, we can often find a solution that traditional banks won't offer.

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How Short-Term Financing Fits Into the Bigger Picture

Short-term loans are rarely the end solution-but they can be the perfect bridge. If you're planning to renovate and refinance, sell a property after improvements, or move to longer-term financing down the line, a short-term loan helps you get there. We'll help map out the right structure and connect you with your follow-up financing when the time comes.



Looking for a longer play? See our pages on Commercial Property Loans, DSCR Loans, or Bank Statement Loans for alternative paths depending on your scenario.

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FAQ - Get Clarity Before You Borrow

  • How fast can I get a short-term loan?

    In some cases, funding can happen in under a week. It depends on the type of loan, lender requirements, and property type-but short-term lenders move faster than banks.

  • Do I need great credit to qualify?

    Not necessarily. Some short-term programs are equity-based and more focused on the property or exit plan than your score. That said, better credit may lead to better terms

  • Can I use a short-term loan for business purposes?

    Yes, we have options for business owners who need working capital, want to acquire a location, or cover short-term operational gaps.

  • What are the rates and fees like?

    Short-term loans often come with higher rates due to the shorter term and risk level. Some lenders charge points or fees upfront. We'll outline all costs clearly before you commit.

  • What's the difference between a bridge loan and a short-term loan?

    They're often used interchangeably. "Bridge loan" usually refers to using equity from one property to buy another, while "short-term loan" is a broader term that includes bridge, fix-and-flip, and gap financing.

Let's Find the Right Short-Term Solution for You

If you're facing a time-sensitive opportunity-or simply don't have time to wait for traditional financing-we'll help you find a short-term loan that fits your needs. We work fast, communicate clearly, and structure smart deals that make sense for your situation.



Ready to move forward? Contact us for a short-term loan consultation or start your application now.