For Wholesale Mortgage Brokers
Wholesale Bridge Loan Program for Mortgage Brokers
Convert more applications into funded loans. Our short-term bridge financing keeps your pipeline moving and your client/realtor relationships secure.
The Problem: Loan Fallout
Too many quality borrowers are turned away due to rigid conventional underwriting guidelines. Common reasons:
- Buyer’s old home hasn’t sold
- New property needs repairs
- Self-employed or retired borrowers don’t fit bank rules
- Borrower plans could expose you to an EPO
Result? Missed loans, frustrated clients, and lost revenue.
The Solution: Wholesale Bridge Loans
We provide the short-term funding your client needs to close now.
- You keep the client relationship
- You can charge an origination fee on the bridge loan
- You earn the commission on the take-out loan
We never compete — we bridge the gap and you own the customer relationship.
How We Help
Buy Before You Sell
Help clients secure their next home before their current one closes — no need to rush a sale or miss out on the perfect property.
Dominate with a Cash Offer Loan®
Give your borrowers the power to compete with cash buyers and strengthen their offers in tight markets.
Just Missed Bridge Loan®
Adaptable financing to help your clients buy even if they don't qualify for a conventional loan.
Avoid an Early Pay-Off Penalty Loan
Protect your pipeline from costly EPOs by using short-term bridge financing instead of providing a conventional loan that the borrow may pay off quickly.
How It Works
Submit the client
We issue the bridge loan
Client transitions back to you for the permanent loan
You keep the client, the relationship, and the commission
Why Partner With Us
We’re not here to compete with you — we’re here to help you close more loans and keep your clients happy.
Here’s what you get when you work with us:
- Save More Deals — rescue loans that would otherwise fall apart
- Keep Clients — you own the customer and Realtor relationship
- Earn More — interim comp + commission on take-out loan
- Fast Funding — often in just days
- Trusted Nationwide — $1.5B+ loans funded
Frequently asked questions
Do I (as the wholesale broker) keep my client relationship when we partner with Ribbon?
Yes — you continue to own and manage the borrower and realtor relationship throughout. Ribbon acts as the short-term bridge financier, not a competitor.
How quickly can Ribbon fund a bridge loan?
Ribbon’s Dominate with a Cash Offer loan can close within 10 to 15 days, enabling your client to move forward when timing is tight and our Buy Before You Sell and our Just Missed Bridge loan products close faster than a conventional loan.
What kinds of property types are eligible for these bridge loans?
The program accommodates single family, 2-4 unit, condos, and townhomes. We provide loans for primary residences, second homes, and investment properties.
What scenarios or borrower issues is this bridge program designed to solve?
It addresses common “pipeline kill” issues such as:
- The borrower’s existing home hasn’t yet sold.
- The new home needs repairs and doesn’t meet conventional underwriting.
- Self-employed or retired borrowers whose income may not fit bank criteria.
- Avoid early-payoff penalty (EPO) by offering our bridge loan.
What is the typical workflow when partnering as a wholesale broker?
The simplified 4-step workflow:
- You (the broker) submit the client scenario to Ribbon.
- Ribbon issues the short-term bridge loan.
- The client transitions back to you for the permanent (take-out) loan.
- You retain the client relationship and earn your commission on both the bridge and take-out.
How do I (the broker) benefit financially?
Benefits to you include:
- Rescuing deals that might otherwise fall apart, thus saving your commission.
- Retaining the borrower relationship (you don’t lose your client).
- Charge an origination fee on the bridge loan plus earn your commission on the permanent loan.
- Faster funding means fewer delays and happier clients.
Will Ribbon ever compete with me?
No. Ribbon emphasizes that we will “never compete” with you. Our role is strictly a short-term bridge lender so you stay in control of the relationship.
How can I get started or submit a scenario?
Use the “Send us Your Scenario” link on the page to share your client’s details and begin the process. You’ll then work closely with the Ribbon team to structure the bridge solution.
Ready to Fund More Loans?
Don’t let timing gaps or borrower challenges kill your pipeline. Partner with us today and keep your deals — and commissions — secure.
Related Products
Real Estate Agents
Ribbon helps Realtors close more deals by helping your clients without losing their new dream home in the process.
Builders
Keep your timelines intact and your closings on track. Our residential bridge loan programs help buyers move forward.