Short-Term Capital for Real Estate Operators
Gap funding alongside senior lenders — built to help you close and execute with confidence.
Legacy Bloom Capital provides structured short-term debt for real estate operators who need reliable capital to bridge gaps, complete projects, and exit cleanly.
What We Fund
Asset types we currently lend on.
We focus on real estate projects with clear scope, defined exits, and experienced execution.
Fix & Flip
Small Multifamily
New Construction (case-by-case)
SelectValue-Add Projects
Loan Positions
How Legacy Bloom participates in the capital stack.
Our primary focus is providing gap funding alongside senior lenders, with select first-lien positions evaluated on a case-by-case basis.
Second-lien / gap funding (primary focus)
Select first-lien positions (case-by-case)
Structured with collateral and defined exits at origination
Borrower Requirements
What we need to review your deal.
We underwrite both the deal and the operator. To be considered, borrowers must have:
Primary (senior) financing in place
At least one successfully completed project
A clear exit strategy (sale or refinance)
Clean, organized documentation
Our Standard
What borrowers can expect when working with Legacy Bloom.
No close, no fee
Clear terms before commitment
Disciplined underwriting — no last-minute surprises
Direct, straightforwardcommunication
Frequently Asked Questions
How long does the funding process take?
Once all required documents are received, funding can occur in as little as 2–3 business days, subject to underwriting and title.
Do you fund 100% of the gap?
In many cases, yes. As long as sufficient collateral is available and risk can be mitigated, we may fund the full gap. Additional collateral may be requested depending on the deal.
What are your interest rates and terms?
Rates and terms vary based on deal structure and risk profile.
👉 Submit your deal for a full review.
What if I’m a newer investor?
We evaluate the entire deal. While we prefer experienced or repeat operators, newer investors may be considered — especially when partnered with an experienced team member.
What Borrowers Say
"We switched to their firm last year and saved thousands through smart tax restructuring. Highly professional and reliable."
JOHN DOE
CFO
"They took the time to explain every step. For the first time, tax season wasn’t stressful. It was strategic."
JANE DOE
Entrepreneur
"They cleaned up two years of books, found missed deductions, and set up our quarterly filings, saved us thousands."
JOHN DOE
Owner
“Legacy Bloom moved quickly, communicated clearly, and delivered exactly what they committed to.”
“Straightforward terms, no surprises, and fast execution.”
Ready to Submit Your Deal?
If you have a project that needs gap funding or structured short-term capital, we’re ready to review it.
We’ll review your submission and let you know quickly if it’s a fit.