Bridge Loans
Short-term financing to acquire, stabilize, or reposition commercial properties while you arrange permanent financing or complete a value-add strategy.
Bridge loans fill the gap between opportunity and permanent financing. When a deal needs to close fast, when a property needs repositioning before it qualifies for conventional lending, or when timing is everything, a bridge loan is the right tool.
We work with lenders who can close bridge loans in as little as 7-10 business days. Interest-only payments keep your monthly costs low while you execute your business plan.
Whether you're acquiring a distressed asset, bridging to a sale, or stabilizing a newly renovated property, we'll match your deal with the right bridge lender.
$1M – $50M+
Key Features
Fast Close
Close in 7-10 business days. When the deal can't wait, neither can your financing.
Interest-Only
Keep monthly payments low with interest-only structures during the loan term.
Flexible Terms
6 to 24 month terms with extension options. No prepayment penalties on most programs.
High Leverage
Up to 75-80% LTV on purchase price. Higher leverage available with additional collateral.
Light Documentation
Streamlined underwriting focused on the asset and exit strategy, not personal tax returns.
All Property Types
Multifamily, mixed-use, retail, office, industrial, and more.
Ideal For
Acquiring distressed or off-market properties
Bridging to a sale or refinance
Stabilizing newly renovated assets
Time-sensitive transactions
Properties that don't yet qualify for conventional lending
Value-add strategies with a clear exit plan
Frequently Asked Questions
What interest rate can I expect on a bridge loan?
Bridge loan rates typically range from 8-12% depending on LTV, property type, location, and borrower experience. Lower leverage deals (under 65% LTV) and experienced borrowers with strong exit strategies generally qualify for rates at the lower end of the range.
What is the maximum LTV for a bridge loan?
Most bridge loan programs go up to 75-80% LTV based on the as-is appraised value. Higher leverage may be available with additional collateral or recourse guarantees. For value-add properties, lenders may also underwrite to 65-70% of the after-repair value (ARV).
Can I extend a bridge loan if I need more time?
Yes. Most bridge loan programs offer 6-12 month extension options built into the original term. Extensions typically require the loan to be current, the property to be performing as projected, and a small extension fee (0.25-0.50%). Total term including extensions can reach 24-36 months.
What exit strategies do bridge lenders accept?
The most common exit strategies are: refinance into permanent financing (DSCR or conventional loan), property sale, or completion of a value-add plan that qualifies the property for long-term debt. Lenders want to see a clear, realistic exit before funding. We help structure your exit plan before closing.
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