A bridge loan is a short-term loan that uses the present value of the real estate as collateral for a loan that gives the owner time to develop or otherwise increase the value of the asset or provide additional time to sell or refinance. Five on Fifty assists in finding short-term bridge loans for borrowers looking to purchase or refinance commercial and investment properties. The terms of these hard money loans vary considerably, but are typically structured for one to two years, and in some cases as many as five.