Unlock your equity
We lend against the equity in your current home. That equity becomes the down payment on your new home — no need to sell first to get to it.
Bluestar Capital, Inc. · Private Real Estate Lender
Hard money and bridge loans funded with our own capital. We are the lender — no bank committees, no middlemen, and decisions in days, not months.
bluestarhardmoney.com · Interest-only bridge loans up to 80% combined loan-to-value
Flagship Program
Found the right next home, but your money is tied up in the one you're living in? A bridge loan unlocks it.
We lend against the equity in your current home so you have the down payment for your new primary residence — without a home-sale contingency weakening your offer, and without rushing a sale just to make the closing work.
You move once, on your timeline. Then you list and sell your current home after you've settled in, and the sale proceeds pay off the bridge loan.
How It Works
The bridge process is deliberately simple — because the whole point is removing friction from your move.
We lend against the equity in your current home. That equity becomes the down payment on your new home — no need to sell first to get to it.
Close on the new home with the bridge funds in place and no home-sale contingency in your offer — the kind of clean offer sellers take seriously.
Move in, then list and sell your previous home on your timeline. When it closes, the proceeds pay off the bridge loan in full.
For homeowners buying a new primary residence before selling the current one. One move, no contingency, no rushed sale.
For investors who need acquisition and rehab capital on a deal timeline — asset-based decisions, funded directly by us.
Loan Programs
Every program below is funded with our own capital and underwritten with common sense — the property, the equity, and a credible exit matter most. Bluestar Capital is a hard money lender based in Orlando, Florida offering bridge loans, hard money loans, fix & flip financing, and private money loans.
As a hard money lender, we make asset-based loans for Florida real estate investors who need certainty and speed a bank can't offer — for acquisitions and situations where timing is the deal.
Our fix and flip loans fund the acquisition and renovation of investment property — fix-and-flip financing structured around the project, so you can buy, improve, and sell or refinance on your plan.
When a sound real estate deal doesn't fit a bank's box, private capital can. We structure flexible loans around real equity and a real exit — not a checklist.
Interested in funding deals instead of borrowing? See how private investors work with us →
Why Bluestar Capital
Bluestar Capital, Inc. is a private real estate lender based in Orlando, Florida. There is no loan committee behind a curtain and no call center — just direct, accountable lending.
We lend our own money. That means our incentives are simple: structure a loan that works, fund it, and get it closed.
No multi-week committee queue. We review the property, the equity, and the exit — and give you a straight answer quickly.
You talk to the decision-maker from the first call — not a broker, not a processor relaying messages up a chain.
Interest-only structures, 6–12 month bridge terms, and underwriting that weighs real equity over rigid formulas.
Common Questions
No — that's the point of a bridge loan. We lend against the equity in your current home so you can close on the new home first, with no home-sale contingency, then sell your current home afterward and pay off the bridge from the proceeds.
That's common. The bridge is measured on a combined basis — your existing mortgage plus the bridge loan — up to 80% combined loan-to-value on your current home. What matters is that you have sufficient real equity in the property.
Bridge loans are structured with interest-only payments over a flexible 6–12 month term, with the balance repaid when your current home sells. Call us for how that would look in your specific situation — we don't publish one-size-fits-all pricing because every loan is structured individually.
Because we fund with our own capital and you deal directly with the decision-maker, bridge loans are built to close in weeks, not months — timed around your purchase contract, not a bank's pipeline.
We're based in Orlando, Florida. Call 847-306-9226 and tell us where the property is — we'll give you a straight answer on whether it's a fit.
Start With a Conversation
One call gets you a direct answer from the lender — whether it's a bridge loan to buy before you sell, or capital for your next investment deal. No forms, no obligation, no runaround.
For Investors
Private investors can fund individual loans originated by Bluestar Capital, each loan secured by real estate. You review and choose the specific deals you want to fund — you are not buying into a pooled fund. When an opportunity fits what you are looking for, you decide whether to fund that loan.
Secured by real propertyLoans are secured by real property, with the property standing behind the loan.
Specific deals, never a blind poolYou fund specific deals you have reviewed and chosen — never a blind pool.
Direct relationshipA direct relationship with Bluestar Capital — no middleman platform between you and us.
How It Works
A simple, personal process — starting with a conversation, not a sales pitch.
Tell us about yourself using the form below — how much you are looking to put to work and the kinds of deals you want to see.
We contact you to discuss your goals and the kinds of deals you want to see, so we only bring you opportunities that fit.
Review individual opportunities as they come up and fund the ones you choose. Each deal is your decision.
Share a few details and we will be in touch to talk through your goals and the kinds of deals you want to see.
This page is for information only. It is not an offer to sell or a solicitation to buy any security, and it is not investment advice. Any funding opportunity is offered privately, is subject to review and documentation, and involves risk, including possible loss of principal. Nothing here promises or guarantees any return.
Track Record
Real deals financed with our own capital. Decisions in days, closings in weeks, not months.
Recently Funded
Single-family purchase financing
N Sacramento Ave
Funded in phases as the project progresses
Paid in full
Columbine Dr
Paid off in full in 6 months
Paid in full, June 2025
Wren Ln
Extended at borrower request, then paid in full
S Kepler Rd
Paid off in full, April 2024
We Fund
Call us: 847-306-9226
Our Programs
Every loan is funded with Bluestar Capital's own capital and structured around your exit — no bank committees, no sale contingencies, no one-size-fits-all box.
A short-term loan that lets a homeowner buy their next home before selling their current one, using the equity in the departing home. You close on the new home first, move once, and repay the bridge when your current home sells — without letting a sale contingency weaken your offer.
Share the home you're buying and the home you'll be selling. We look at the equity in your current home and the timeline for both closings.
Because we fund with our own capital, you get a clear structure directly from the decision-maker — in days, not weeks.
Close on your new home with no sale contingency, move once, then list and sell your departing home on your schedule. The sale proceeds repay the bridge.
Purchase and renovation financing for real estate investors, funded in phases as the project progresses so capital is drawn as work is completed. Acquisition and rehab sit in one loan, structured around the project from purchase to sale.
Capital follows completed work — draws are released in phases as the project progresses.
We structure the loan around the purchase price and the rehab budget.
You complete a phase of work.
We verify and release the next draw — capital follows completed work.
You sell the finished property and the loan is repaid.
In practice: a Chicago acquisition funded in phases as the project progresses → See Funded Deals
Asset-based lending secured by real estate, underwritten on the property and the exit plan rather than a bank's documentation checklist — built for deals that are time-sensitive or don't fit conventional financing.
The property's value, your equity in the deal, and the exit — how this loan gets repaid. If those three are sound, the conversation is short.
Flexible, custom-structured loans for situations that don't fit the programs above — priced and built case by case through a direct conversation. If the property is sound and the plan is clear, we can structure around the deal rather than forcing it into a standard box.
Examples only — every private money loan is structured case by case around the property and the plan:
If the property is sound and the plan is clear, it's worth a conversation — the structure follows the deal.
At a Glance
A side-by-side view of how each program is typically used and structured. Every loan is still built around your property and your exit.
| Program | Best for | Term | Structure |
|---|---|---|---|
| Bridge Loans | Buying your next home before selling your current one | 6–12 months | Interest-only, up to 80% combined LTV |
| Fix & Flip Loans | Investors renovating a property to sell | Short-term | Interest-only, funded in phases |
| Hard Money Loans | Time-sensitive, asset-based deals | Short-term | Interest-only, secured by the property |
| Private Money Loans | Custom situations outside the standard box | Case by case | Flexible, structured per deal |
Call us: 847-306-9226 · info@bluestarhardmoney.com