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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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

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

Bridge Loans Transactions

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

Mixed-Use - New York, NY
Bridge
$48,000,000
Mixed-Use
New York, NY
Bridge financing for a mixed-use repositioning in Brooklyn’s Williamsburg neighborhood, converting a former industrial building into 65 residential units with ground-floor retail along the Bedford Avenue commercial strip.
Office Building - Washington, DC
Bridge
$42,000,000
Office Building
Washington, DC
Bridge financing for a Class A office repositioning in Washington DC’s East End submarket, targeting government contractors and lobbying firms with a full-building modernization near the Capitol Hill corridor.
Hotel - Miami, FL
Bridge
$31,000,000
Hotel
Miami, FL
Bridge financing for a boutique hotel repositioning in Miami Beach’s Art Deco Historic District, funding a comprehensive renovation to capture surging leisure and business travel demand in South Florida.
Multifamily Apartments - Denver, CO
Bridge
$28,500,000
Multifamily Apartments
Denver, CO
Value-add bridge financing for a 180-unit apartment community in Denver’s RiNo district, funding unit renovations and common area upgrades to capture strong rent growth in one of the city’s most dynamic neighborhoods.
Industrial Distribution - El Paso, TX
Bridge
$22,000,000
Industrial Distribution
El Paso, TX
Bridge financing for a cross-border logistics facility in El Paso’s Upper Valley industrial zone, positioned to serve the high-volume U.S.-Mexico trade corridor with direct access to the Zaragoza International Bridge.
Multifamily Apartments - St. Louis, MO
Bridge
$17,500,000
Multifamily Apartments
St. Louis, MO
Bridge financing for a value-add apartment acquisition in St. Louis’s Central West End, one of the city’s most walkable neighborhoods with strong demand from medical professionals at nearby Barnes-Jewish Hospital and Washington University.

Related Property Types

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

Related Insights

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

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