Underwrite the opportunity
We review sponsorship, property performance, business plan, and priorities before approaching the market.
Bridge financing
Short-Term Bridge Financing for Transitional Assets
Quick answer: Bridge loans offer 6.79% to 13.04% rates, up to 75% LTV, and 6 to 36 month interest-only terms for commercial properties in transition, whether during lease-up, renovation, repositioning, or acquisition. These facilities offer speed and flexibility that traditional lenders cannot match, making them ideal for time-sensitive opportunities and value-add strategies.
NationwideMarket coverage
1,000+Capital relationships
$2MM+CLS engagement floor
24 hoursInitial response
When it fits
When Bridge financing fits.
Bridge lending fills the gap between acquisition or current state and permanent financing eligibility. Common use cases include acquiring a property that doesn't yet qualify for permanent debt, funding tenant improvements and lease-up, providing time for entitlement and permitting, or bridging to a construction loan start. Sources include debt funds, private lenders, and select banks willing to provide transitional capital.
Structure before pricing: leverage, recourse, reserves, prepayment, and closing certainty can matter as much as the headline coupon. We test those trade-offs before recommending a path.
01
Value-add multifamily renovations
02
Lease-up and tenant improvement periods
03
Land entitlement and pre-development
04
Acquisitions needing quick close
05
Properties transitioning between uses
06
Recapitalizations and partner buyouts
Lender selection
How We Source Bridge Capital
We do not treat the lender list as a directory. We target the desks whose current appetite fits the asset, sponsorship, market, and business plan, then compare the full execution, not only the rate.
| Capital source | Where it may fit |
|---|---|
| Debt Funds | Flexible capital for transitional, complex, leveraged, or time-sensitive executions where conventional credit boxes may not fit. |
| Private Lenders | Flexible capital for transitional, complex, leveraged, or time-sensitive executions where conventional credit boxes may not fit. |
| Banks | Relationship-oriented capital that can offer local market knowledge and structural flexibility, with recourse often considered. |
| Insurance Companies | Long-duration fixed-rate capital for high-quality assets and experienced sponsors, generally with conservative leverage. |
How we work
One process. Multiple capital sources.
We position the transaction, identify the lenders most likely to compete, and compare proposals on economics and execution risk, not just headline rate.
A well-structured financing process should create real choices for the borrower, not simply deliver the first term sheet.
Target the right lender desks
The transaction is matched to lenders whose current appetite fits the property, market, and structure.
Create a comparable field
Proposals are evaluated across rate, proceeds, recourse, reserves, prepayment, and closing certainty.
Manage execution through closing
We coordinate lender diligence, third-party reports, and issue resolution until the loan funds.
Selected closings
Bridge financing in practice.
National reach
Market knowledge where the deal requires it.
We arrange bridge financing nationwide while matching each transaction to capital sources active in that market and property type.
Atlanta, GABoston, MAChicago, ILDallas, TXDenver, COHouston, TXLos Angeles, CAMiami, FLNashville, TNNew York, NYPhoenix, AZSan Diego, CASan Francisco, CASeattle, WATampa, FL
Browse all markets →
Questions
Bridge financing, clarified.
The final structure depends on the asset, sponsorship, and market. These are the starting parameters we discuss most often.
Working out equity? Our commercial property down payment guide covers typical requirements by loan type: 20% to 30% conventional, 10% for SBA owner occupied.
A commercial bridge loan is short-term financing (6-36 months) designed to 'bridge' a property from its current state to permanent financing eligibility. Common uses include acquiring properties that need stabilization, funding renovations and lease-up, or providing quick capital for time-sensitive opportunities.
Bridge loans can close in as little as 2-4 weeks, compared to 45-90 days for permanent financing. This speed makes bridge loans ideal for competitive acquisition situations, auction purchases, and other time-sensitive transactions.
Bridge loan rates typically range from 6.79% to 13.04%, depending on the lender, leverage level, and property risk profile. Rates are higher than permanent financing to compensate for the shorter term and transitional nature of the asset.
Yes. Many debt funds and institutional bridge lenders offer non-recourse bridge loans, particularly for larger transactions ($5M+). Non-recourse bridge loans are subject to standard carve-out guarantees similar to permanent financing.
The typical exit strategy for a bridge loan is refinancing into permanent financing once the property is stabilized (fully leased and generating sufficient cash flow). Alternatively, the exit may be a property sale, construction loan conversion, or another bridge loan if more time is needed.
Bridge loans are secured by the commercial property itself, just like permanent financing. Lenders may also require personal guarantees (recourse), though non-recourse options are available. Additional collateral such as cross-collateralization or cash reserves may be required for higher-risk situations.
Both are short-term financing tools but serve different borrower profiles. Hard money loans from private lenders are the fastest to close (5 to 15 days) with the most flexible underwriting but higher rates (9% to 13%). Bridge loans from institutional debt funds are slightly larger, more structured, and typically priced lower (7% to 11%). For speed-critical deals under $5M, hard money may be optimal. For complex deals over $5M, institutional bridge lenders usually offer better pricing and structures.
A bridge loan finances an existing property in transition such as vacant, being repositioned, or being stabilized before qualifying for permanent debt. A construction loan funds the actual construction of a new building or major renovation from the ground up. Bridge loans can close in 2 to 4 weeks and require an existing structure as collateral. Construction loans take 45 to 90 days to close and fund in progressive draws as construction milestones are completed.
Let's evaluate the right bridge structure.
Share the property and financing request. We will respond within 24 hours with an initial view.