Equity Bridge Capital
Equity Bridge Capital is a San Francisco sole proprietorship that originates short-term bridge loans ($100K–$20M, 8.99%–12% rates) secured by California and select U.S. real estate, serving real estate investors, developers, contractors, and nonprofit property owners.
- Company typePrivate
- Founded2012
- HeadquartersSan Francisco, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Equity Bridge Capital does
Equity Bridge Capital is a San Francisco-based private money lender, organized as a sole proprietorship operated by licensed California real estate broker Art Gilberg (CA DRE Lic #01868465). Founded in 2012, the firm originates short-term bridge loans ranging from $100K to $20M, secured by residential and commercial real estate in 1st, 2nd, or 3rd position. Loan terms run 12–36 months at interest rates of 8.99%–12% with origination fees of 1.5%–2.5%, and underwriting emphasizes property equity over borrower credit (no minimum FICO, no formal appraisals in most cases, no tax returns required). The firm can fund loans in 7–10 business days, positioning it as a flexible alternative to institutional hard money funds that typically avoid junior positions, construction completion, and cross-collateral structures.
The company's core customers are California-based real estate investors, developers, fix-and-flip operators, and spec builders, with additional exposure to business owners using real estate as collateral and nonprofit organizations acquiring property. Distribution is relationship-driven and operated almost entirely through the broker/owner via phone, text, email, a company blog, LinkedIn, and referrals from mortgage brokers and bankers. Lending is concentrated in California (SF Bay Area, Silicon Valley, Los Angeles, San Diego, Sacramento, and other metros) with select urban infill lending nationwide, including a documented expansion to the Dallas/Fort Worth market.
Revenue is generated primarily through interest income on outstanding bridge loans plus origination fees at closing. There is no proprietary technology platform; underwriting and loan processing are manual. The firm has no institutional backing, no disclosed funding rounds, and operates with 1–10 employees, making it a small, owner-operated lending business rather than a scalable technology-enabled lender.
Equity Bridge Capital firmographics
Firmographics- Name
- Equity Bridge Capital
- Legal name
- Equity Bridge Capital (dba Art Gilberg, Licensed Real Estate Broker)
- Website
- https://equitybridge.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Equity Bridge Capital is a San Francisco sole proprietorship that originates short-term bridge loans ($100K–$20M, 8.99%–12% rates) secured by California and select U.S. real estate, serving real estate investors, developers, contractors, and nonprofit property owners.
- Ownership category
- akta.pro rank
Equity Bridge Capital industry classification
Industry- Product category
- Private Real Estate Lending
- NAICS
- Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
- akta.pro secondary industries
- CRE Bridge & Transitional Lending (FSALADAC), Balance-Sheet / Portfolio CRE Lending (FSALADAG)
Keywords
Where Equity Bridge Capital is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Equity Bridge Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Bridge Loan Interest Income: The primary revenue stream is interest income earned on short-term bridge loans (typically 12-36 months) secured by residential and commercial real estate. Interest rates range from 8.99% to 12% depending on LTV, loan type, and position. Loans are structured as interest-only during the term.
- Origination Fees: Loan origination and processing fees ranging from 1.5% to 2.5% of the loan amount, based on LTV, loan position, and loan type. These fees are charged at closing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Standard Bridge Loan — Interest Rate 8.99%–12%, Fee 1.5%–2.5% |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Equity Bridge Capital product offering
Product offeringCore offering
Equity Bridge Capital provides short-term, equity-based private money bridge loans in 1st, 2nd, or 3rd position secured by residential or commercial real estate, with loan amounts from $100K to $20M+ and terms of 12–36 months. The company also offers specialized loan types including purchase loans, refinance/equity cash-out loans, construction loans (ground-up and mid-construction completion), cross-collateral loans, and rehab/fix & flip loans, targeting real estate investors, developers, business owners, and nonprofits.
Product overview
Equity Bridge Capital is a San Francisco-based private money lending company offering a portfolio of bridge loan products secured by real estate. The core offering is Private Money Bridge Loans in 1st, 2nd, or 3rd position, supplemented by specialized loan types including Purchase Loans, Refinance Loans, Construction Loans (ground-up and mid-construction completion), Cross Collateral Loans, and Rehab/Fix & Flip Loans. Loan amounts range from $100k to $20 million with terms of 12-36 months, interest rates from 8.99%-12%, and fees of 1.5%-2.5%. The company targets real estate investors, developers, and business owners in California and select national locations who need fast, non-bank financing based primarily on property equity rather than borrower credit.
Differentiator
Problem solved
Functional benefit
Products and services
- Private Money Bridge Loans Short-term, equity-based bridge financing in 1st, 2nd, or 3rd position secured by residential or commercial real estate. Loans range from $100K to $20M+ with terms of 12–36 months, designed for real estate investors, developers, and business owners needing quick access to capital without traditional bank requirements.
- Purchase Loans Acquisition financing enabling investors to make competitive all-cash or high-leverage offers on properties, including fix-and-flip purchases and investment acquisitions, with 1st, 2nd, or 3rd position options.
- Refinance Loans Equity cash-out refinancing to pay off maturing loans, access accumulated equity, or provide operating capital for investors and business owners, available in 1st, 2nd, or 3rd position.
- Construction Loans Financing for ground-up new construction and mid-construction completion projects, including single-family spec home builds, multifamily developments, and commercial construction, available in 1st, 2nd, or 3rd position.
- Cross Collateral Loans Flexible financing structures using multiple properties as collateral, allowing borrowers to leverage equity across their real estate portfolio while keeping existing bank loans in place.
- Rehab / Fix & Flip Loans Short-term renovation financing for investors purchasing distressed properties, completing rehabilitation projects, and reselling for profit, including both initial acquisition and completion funding.
Quantifiable outcome
- Funding completed in 7–10 business days or less in most cases
- +2 more outcomes
Companies that use Equity Bridge Capital
Customer profileSegments4 records
Ideal customer profiles4 records
Equity Bridge Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Equity Bridge Capital partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights4 records
Equity Bridge Capital competitors and assessment
Company assessmentDirect peers
- LendingOne: Florida-based private money lender offering bridge, new construction, and rental loans to real estate investors nationwide. Comparable product mix and borrower segment with a similar private-capital balance-sheet model.
- RCN Capital: Connecticut-based private money lender offering short-term bridge, fix-and-flip, and rental portfolio loans to real estate investors. Directly comparable in product offering, rate band (~8.99%+), and target borrower; serves a similar niche of investors who cannot access bank financing.
- Lima One Capital: National private money/hard money lender specializing in bridge, fix-and-flip, and new construction loans to real estate investors. Highly comparable in product mix (1st position bridge, construction, rehab) and target customer (real estate investors), though larger and more institutionally capitalized.
- Anchor Loans: California-focused hard money lender (Calabasas Hills) specializing in bridge and fix-and-flip loans for residential investors. Overlaps directly with Equity Bridge Capital's California geographic focus and bridge loan product suite.
- Patch of Land: Tech-enabled private money platform originating bridge loans for real estate investors. Directly comparable in serving the non-bank investor borrower with bridge financing, though operating a marketplace model rather than balance-sheet lending.
- Visio Lending: Bridge and rental portfolio lender focused on real estate investors, offering similar short-term bridge and DSCR products. Comparable in serving the non-bank investor financing niche, though with greater institutional structure.
Broad incumbents
- LendingHome (Kiavi): Formerly LendingHome, Kiavi is a tech-enabled institutional bridge and fix-and-flip lender active across major U.S. metros including California. Comparable product (residential bridge/rehab) but with institutional scale, securitization funding, and proprietary technology platform — a scaled alternative rather than a direct small-firm peer.
- CoreVest Finance (Colony American Finance): Larger bridge lender for real estate investors, including fix-and-flip and rental portfolio financing. Comparable in serving the non-bank investor financing market, but operates at institutional scale with broader product range.
Regional players
- North Coast Financial: California-based hard money lender (San Diego area) offering bridge and rehab loans to real estate investors. Highly comparable geographic focus (Southern California) and product set, though typically smaller loan sizes.
Others
- California Republic Bank (Private Banking / Real Estate Lending): California community bank with a notable private money/hard money real estate lending division. Adjacent participant in the California non-bank investor lending market, though as a chartered bank rather than a pure private lender.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Equity Bridge Capital social profiles
Digital presenceEquity Bridge Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Equity Bridge Capital leadership team
Management profileNumber of profiles
Profiles1 record
Equity Bridge Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Equity Bridge Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Equity Bridge Capital
What does Equity Bridge Capital do?
Equity Bridge Capital provides short-term, equity-based private money bridge loans in 1st, 2nd, or 3rd position secured by residential or commercial real estate, with loan amounts from $100K to $20M+ and terms of 12–36 months. The company also offers specialized loan types including purchase loans, refinance/equity cash-out loans, construction loans (ground-up and mid-construction completion), cross-collateral loans, and rehab/fix & flip loans, targeting real estate investors, developers, business owners, and nonprofits.
Is Equity Bridge Capital a public or private company?
Equity Bridge Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Equity Bridge Capital founded?
Equity Bridge Capital was founded in 2012. It employs 1 to 10 people.
Where is Equity Bridge Capital based?
Equity Bridge Capital is headquartered in San Francisco, United States, in the North America region.
How does Equity Bridge Capital make money?
Two revenue lines are on record. Bridge Loan Interest Income is the primary driver. The others are origination Fees.
Who are Equity Bridge Capital's main competitors?
Direct peers on record are LendingOne, RCN Capital, Lima One Capital, Anchor Loans, Patch of Land and Visio Lending. Broad incumbents are LendingHome (Kiavi) and CoreVest Finance (Colony American Finance). North Coast Financial is listed as a regional player. California Republic Bank (Private Banking / Real Estate Lending) is listed as an others.
Does Equity Bridge Capital have an API?
No public API is recorded for Equity Bridge Capital.
What industry is Equity Bridge Capital in?
Equity Bridge Capital's product category is Private Real Estate Lending. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation, with a secondary code of FSALADAC, CRE Bridge & Transitional Lending. Its NAICS code is 522292 and its SIC code is 6163.