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
Bridge Loans in active state markets
Market-specific dynamics affect how bridge loans get structured and priced. Browse the state × asset class pages for local context, top metros, and FAQs.
FL · Multifamily
Florida Multifamily →
FL · Hospitality
Florida Hospitality →
FL · Mixed-Use
Florida Mixed-Use →
FL · SFR Portfolio
Florida SFR Portfolio →
TX · Multifamily
Texas Multifamily →
TX · Industrial
Texas Industrial →
TX · Mixed-Use
Texas Mixed-Use →
TX · Construction & Development
Texas Construction & Development →
CA · Multifamily
California Multifamily →
CA · Mixed-Use
California Mixed-Use →
CA · Industrial
California Industrial →
CA · Office
California Office →
NY · Multifamily
New York Multifamily →
NY · Mixed-Use
New York Mixed-Use →
NY · Office
New York Office →
NY · Retail
New York Retail →
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.
Ready to get started?
Submit your deal in 2 minutes and get financing options within 24 hours.
Submit a DealDisclosure: Passy Capital LLC, a Florida limited liability company (registered at 7901 4th St N, Ste 300, St. Petersburg, FL 33702), is a commercial real estate financing brokerage, not a direct lender. All loans are placed through third-party lenders and are subject to lender approval, underwriting, credit, property, and other criteria. Rates, terms, and conditions vary by lender, borrower profile, and deal specifics. Information presented does not constitute a commitment to lend. Loans are for business purposes only and made to limited liability companies or other entity borrowers; they are not offered to consumers and are not for personal, family, or household use. Programs are available in select states; licensing requirements vary by jurisdiction.