Underwrite the opportunity
We review sponsorship, property performance, business plan, and priorities before approaching the market.
Acquisition Bridge financing
Fast-Close Acquisition Financing for Commercial Real Estate
Quick answer: Acquisition bridge loans provide short-term capital to close commercial real estate purchases quickly, often in 10 to 21 days, when conventional financing is too slow, unavailable, or the asset does not yet qualify for permanent debt. Typical deal sizes run $2MM to $30M, with loan-to-cost ratios up to 75-80% of purchase price. Debt funds, private lenders, and select commercial banks are the primary capital sources for acquisition bridge transactions.
NationwideMarket coverage
1,000+Capital relationships
$2MM+CLS engagement floor
24 hoursInitial response
When it fits
When Acquisition Bridge financing fits.
Commercial real estate acquisition is increasingly competitive. Off-market deals, auction purchases, note acquisitions, and distressed asset opportunities rarely accommodate the 60 to 90-day timeline that banks require. Acquisition bridge loans bridge that gap: non-bank lenders can commit and close in two to three weeks, giving buyers the certainty of execution that sellers and brokers demand. The bridge loan is then refinanced into permanent agency, CMBS, bank, or life company debt once the asset is stabilized and seasoned. Minimum loan size is $2 million; most active lenders in this space focus on the $3M to $25M range.
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
Off-market acquisitions requiring certainty of close in under 30 days
02
Multifamily acquisitions of 20 or more units targeting value-add business plans
03
Distressed asset and note purchases where conventional financing is unavailable
04
Auction and estate sales with firm closing deadlines
05
Acquisitions of properties with below-market occupancy or short-term lease roll
06
Institutional investors needing a bridge while agency or life company debt is arranged
Lender selection
How We Source Acquisition 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. |
| Family Offices | Program-specific capital evaluated for current appetite, proceeds, pricing, recourse, flexibility, and certainty of close. |
| Hard Money Lenders (larger balance) | Flexible capital for transitional, complex, leveraged, or time-sensitive executions where conventional credit boxes may not fit. |
| Select Commercial Banks | Relationship-oriented capital that can offer local market knowledge and structural flexibility, with recourse often considered. |
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.
National reach
Market knowledge where the deal requires it.
We arrange acquisition 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
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Questions
Acquisition 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.
An acquisition bridge loan is short-term capital used to close a commercial property purchase when conventional financing is too slow or the asset does not yet qualify for permanent debt. Terms run 6 to 24 months, interest-only, and the loan is repaid by a refinance into agency, bank, CMBS, or life company debt, or by a sale.
Minimum loan size is $2 million. Most active lenders in this space concentrate between $3M and $25M, and facilities run to $50M and above for institutional sponsors. Below $2 million the deal generally moves to a smaller private or hard money lender, where pricing is higher and structures are less flexible.
Rates generally run 7.50% to 12.00%, interest-only, with leverage up to 80% of the purchase price and non-recourse available on larger institutional transactions. Expect one to two points of origination and, in many cases, an exit fee or minimum interest period. Price the total cost of capital across the hold, not the coupon alone.
Ten to twenty-one days is typical once a term sheet is signed, against 45 to 90 days for bank or agency debt. Speed depends on third-party reports, appraisal, title, and survey, so ordering those at application rather than after diligence is what actually protects a hard closing date.
Debt funds, private lenders, and family offices underwrite the exit first: whether the asset supports a permanent loan large enough to retire the bridge at the end of term. After that comes basis per unit or per square foot, sponsor liquidity and track record, and the credibility of the lease-up or repositioning plan.
Let's evaluate the right acquisition bridge structure.
Share the property and financing request. We will respond within 24 hours with an initial view.