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Commercial bridge

Commercial Bridge Loans

Short-term commercial real estate financing to acquire, reposition, lease up or recapitalize a property, then refinance into permanent debt.

Loan sizes$500K – $50MM+
Term12 – 36 months
PaymentsInterest-only
Credit <600Up to 65%
140+ property typesValue-add & lease-up2,000+ capital partners

What commercial bridge loans fund

  • Acquisitions that need to close fast
  • Lease-up of vacant or under-occupied buildings
  • Renovation and repositioning
  • Discounted note payoffs and maturing loans
  • Recapitalizations and partner buyouts

How we place your loan

We match your deal to the right source among 2,000+ capital partners: debt funds, private lenders, banks and specialty lenders. That means competitive terms on standard deals and real options on the hard ones. We lend directly on multifamily value-add and conversions.

Need more leverage?

A seller carrying a second-position note behind our first lien can take a commercial purchase to 90% combined loan-to-value. See how that structure works on our 90% LTV page.

Commercial Bridge Loans: terms at a glance

Property typesOffice, retail, industrial, hospitality, storage, mixed-use and more
LeverageTypically 65 – 75% LTV; up to 90% CLTV with seller carry
Term12 – 36 months
PaymentsInterest-only
Credit under 600Up to 65% on most types

Terms shown are representative and subject to underwriting, appraisal and state availability. All loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.

Questions

Commercial Bridge Loans: FAQ

How fast can a commercial bridge loan close?

Often 2–4 weeks, depending on third-party reports such as the appraisal and environmental.

What's the minimum loan?

Commercial bridge usually starts around $500K; smaller loans can use our Small Balance Commercial Lite Doc program from $100K.

Can I get 90% financing on commercial property?

With a seller second, yes: 70% first lien, 20% seller carry, 10% down.

Do you lend on special-purpose properties?

Yes, through partners, including churches, gas stations and hotels.

Is personal income required?

Commercial bridge focuses on the property and business plan; guarantor financials are reviewed.

Keep exploring

Related loan programs

More in Commercial real estate

Have a deal in mind?

Send us the numbers. We'll review it and come back with real terms.

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