Bridge Financing

Commercial Bridge Loans

Bridge loans provide short-term financing for commercial properties in transition — whether during lease-up, renovation, repositioning, or acquisition. These 6 to 36-month facilities offer speed and flexibility that traditional lenders cannot match, making them ideal for time-sensitive opportunities and value-add strategies.

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Key Features

Bridge Loans at a Glance

Loan Amount

$1M - $100M+

Term

6 - 36 Months

Rates

6.79% - 13.04%

Ltv

Up to 75% LTV

Structure

Interest-Only

Recourse

Non-Recourse Available

Overview

Short-Term Bridge Financing for Transitional Assets

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.

Lender Sources

Debt Funds
Private Lenders
Banks
Insurance Companies

Ideal For

Value-add multifamily renovations
Lease-up and tenant improvement periods
Land entitlement and pre-development
Acquisitions needing quick close
Properties transitioning between uses
Recapitalizations and partner buyouts

Track Record

Bridge Loans Transactions

A selection of bridge loans we have closed across the country.

Bridge

$16,200,000

Multifamily Apartments

Nashville, TN

Bridge financing for a value-add multifamily acquisition in the Nashville metro, targeting rent growth in a market fueled by healthcare industry dominance, entertainment tourism, and some of the nation's strongest net in-migration figures.

Bridge

$14,800,000

Multifamily Apartments

Boston, MA

Bridge financing for a value-add apartment community in the Greater Boston metro, targeting significant rent growth in one of the nation's tightest and most undersupplied multifamily markets.

Bridge

$14,250,000

Value-Add Multifamily

Los Angeles, CA

Bridge financing for a multifamily value-add renovation in Los Angeles, targeting significant rent growth post-renovation.

Bridge

$14,000,000

Unentitled Land

Los Angeles, CA

Land bridge loan for an unentitled Downtown LA parcel during the entitlement and planning process for a major development.

Bridge

$9,800,000

Multifamily Apartments

Detroit, MI

Bridge financing for a value-add multifamily acquisition in Detroit's Midtown submarket, capitalizing on the metro's urban renaissance and strong rental demand near Corktown and the Wayne State University medical corridor.

Bridge

$8,500,000

Entitled Land

San Francisco, CA

Bridge financing for entitled development land in San Francisco, bridging to construction start.

Bridge Loans by City

Related Property Types

Bridge Loans are available for all major commercial property types. Explore financing by property category.

Related Insights

Educational

Bridge Loans vs. Permanent Loans: Which Is Right for Your Deal?

Understanding the key differences between bridge and permanent financing helps you choose the right loan structure for your commercial real estate investment.

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Educational

Bridge Loans in Boston: What Borrowers Need to Know

Everything you need to know about bridge loans in Boston, including current rates, qualification requirements, capital sources, and market-specific strategies for commercial real estate borrowers.

Trevor DamyanOctober 29, 2025

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Bridge Loans in Charlotte: What Borrowers Need to Know

Everything you need to know about bridge loans in Charlotte, including current rates, qualification requirements, capital sources, and market-specific strategies for commercial real estate borrowers.

Trevor DamyanOctober 28, 2025

FAQ

Bridge Loans FAQ

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.

Ready to Get Bridge Financing?

Contact CLS CRE for a free, no-obligation quote on bridge loans. We respond within 24 hours.

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Or call us: 310.758.4042