Underwrite the opportunity
We review sponsorship, property performance, business plan, and priorities before approaching the market.
Mixed-Use Bridge financing
Bridge Financing for Mixed-Use and Urban Infill Properties
Quick answer: Mixed-use bridge loans provide short-term capital for properties combining residential, retail, office, and hospitality uses in urban and dense suburban locations. These 12 to 36-month facilities are designed for the complexity of mixed-use underwriting, where multiple income streams and use types require lenders with experience across asset classes. Minimum loan size is $2 million, targeting urban infill projects where conventional lenders lack the flexibility to move quickly.
NationwideMarket coverage
1,000+Capital relationships
$2MM+CLS engagement floor
24 hoursInitial response
When it fits
When Mixed-Use Bridge financing fits.
Mixed-use assets are among the most complex to finance because they blend residential and commercial underwriting criteria, often triggering regulatory requirements that vary by use percentage. Debt funds and experienced bridge lenders have filled the gap that conventional banks leave, offering single-loan solutions for the full mixed-use stack rather than requiring separate financing for the retail and residential components. Urban infill conversions, ground-floor retail with upper-floor residential, and live-work loft projects all represent active mixed-use bridge demand. Key markets include Los Angeles, New York, Miami, Seattle, and other dense metros where mixed-use development is incentivized by zoning and tenant demand.
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
Urban infill projects combining ground-floor retail with upper-floor residential
02
Live-work loft and creative office-to-residential conversions
03
Transit-oriented development with retail, residential, and parking components
04
Hotel and condo mixed-use projects in urban cores
05
Downtown main street properties with retail and multifamily components
06
Mixed-use affordable housing with commercial ground-floor retail
Lender selection
How We Source Mixed-Use 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. |
| Bridge Lending Platforms | Flexible short-term capital for acquisition, lease-up, renovation, repositioning, or other transitional business plans before stabilization or sale. |
| Private Lenders | Flexible capital for transitional, complex, leveraged, or time-sensitive executions where conventional credit boxes may not fit. |
| CDFI Lenders | Mission-oriented capital that may support eligible communities, sponsors, and projects outside conventional lender criteria. |
| 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 mixed-use 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
Mixed-Use 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 mixed-use bridge loan is short-term financing, 12 to 36 months, for a property combining residential, retail, office, or hospitality space under one roof. It funds acquisition, repositioning, and lease-up of the commercial component before the asset qualifies for permanent debt. One loan covers the entire stack instead of separate financings for each use. Minimum size is $2 million.
Up to 75% of total cost, the highest leverage among the bridge property types, because the residential component usually delivers stable in-place income that offsets commercial vacancy risk. Sizing is driven by the blended stabilized value across uses. Projects that are majority residential by square footage and income generally price and lever better than commercial-heavy ones.
Mixed-use bridge loans price from 7.50% to 12.50% on interest-only terms of 12 to 36 months, with amounts from $2 million to $50 million and above. Closings take 14 to 30 days. Pricing tracks the share of income coming from the commercial space, the market's residential fundamentals, and whether the retail is leased or being built out.
Bank credit policy usually routes a property to either a commercial or a residential underwriting box, and a blended asset fits neither cleanly. Use percentages also trigger different regulatory and appraisal treatments. Debt funds, bridge platforms, and CDFI lenders underwrite the blend directly, which is why non-bank capital dominates urban infill and transit-oriented mixed-use deals.
Expect to provide a rent roll separated by use, trailing 12 month operating statements, the commercial lease abstracts, a residential unit mix with in-place versus market rents, the capital budget, and a sources and uses schedule. Zoning confirmation matters here more than elsewhere, since many mixed-use projects rely on density bonuses or ground-floor commercial requirements.
Let's evaluate the right mixed-use bridge structure.
Share the property and financing request. We will respond within 24 hours with an initial view.