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

$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.

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.

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.

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.

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.

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.

Bridge Loans by City

Bridgeport-Stamford, CT

Hilton Head Island, SC

Related Property Types

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

Related Insights

Educational

Bridge Loans in Palm Springs: What Borrowers Need to Know

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

Trevor DamyanJune 25, 2026

Educational

Bridge Loans in Santa Cruz: What Borrowers Need to Know

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

Trevor DamyanJune 24, 2026

Educational

Bridge Loans in San Luis Obispo: What Borrowers Need to Know

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

Trevor DamyanJune 23, 2026

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.

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.

Ready to Get Bridge Financing?

Contact Commercial Lending Solutions for a free, no-obligation quote on bridge loans. We respond within 24 hours.

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Call: 310.708.0690 Text: 310.758.3064

Commercial Bridge Loans

Bridge Loans at a Glance

Short-Term Bridge Financing for Transitional Assets

Lender Sources

Ideal For

Bridge Loans Transactions

Bridge Loans by City

Related Property Types

Related Insights

Bridge Loans in Palm Springs: What Borrowers Need to Know

Bridge Loans in Santa Cruz: What Borrowers Need to Know

Bridge Loans in San Luis Obispo: What Borrowers Need to Know

Bridge Loans FAQ

Ready to Get Bridge Financing?

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