Bridge Loan Cost Calculator
Estimate the total cost of capital and effective APR on a short-term bridge loan, including interest, origination fees, exit fees and other fixed costs.
Free tool · Total bridge loan cost · Effective APR
Your numbers
Total Cost of Capital
Interest plus all fees
$38,750.00
Over a 6-month hold · 15.50% effective APR
- Interest (interest-only)$23,750.00
- Origination fee$7,500.00
- Exit fee$5,000.00
- Other fixed fees$2,500.00
- Effective APR (all-in)15.50%
- Loan amount
- $500,000
- Monthly interest
- $3,958
- Stated interest rate
- 9.50%
- Expected hold period
- 6 months
Interest-only. The calculator assumes interest-only payments, with the $500,000 principal repaid at exit through a sale or refinance.
Effective APR annualizes total fees plus interest over the actual hold, so the shorter the hold, the more one-time fees weigh on it. Actual lender terms can include minimum interest periods, extensions, servicing fees or other costs; confirm them before closing.
Frequently Asked Questions
What makes a bridge loan expensive
- What a bridge loan really costs
- The stated rate is only part of the cost. The total adds interest, origination and exit fees, and fixed expenses such as appraisal and legal costs.
- Why effective APR runs higher
- Fixed fees are charged once, but a bridge may be outstanding for only a few months. Annualized over a short hold, they lift the APR well above the note rate.
- Interest-only structure
- Principal is repaid at exit through a sale or refinance. Monthly interest depends on the loan amount and rate; total interest grows with every month held.
- Time is the cost lever
- The same fixed fees cost far more per year over three months than over twelve, and a delayed exit adds interest every month.
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