Commercial Bridge Loans | Close in 2-4 Weeks | Commercial Lending Solutions

When Speed Matters, We Deliver

Commercial bridge loans provide short-term financing to bridge the gap between an immediate capital need and a longer-term solution. Whether you're acquiring a property at auction, completing renovations, or stabilizing a new asset, Commercial Lending Solutions connects you with the right bridge lender, fast.

As a commercial mortgage broker with access to over 1,000 lenders, including debt funds, private lenders, banks, and credit unions, we shop your deal to find the most competitive bridge financing available.

Bridge Loan Programs

Program	Rate	Term	LTV
Light Bridge	8.0%, 9.5%	12-24 mo	Up to 75%
Value-Add Bridge	8.5%, 10.5%	12-36 mo	Up to 80%
Heavy Bridge	9.5%, 11.0%	12-36 mo	Up to 70%
Fix & Flip (Commercial)	9.0%, 11.0%	6-18 mo	Up to 85% LTC

Rates shown are approximate ranges as of Q1 2026 and vary by property type, location, borrower strength, and market conditions.

Common Bridge Loan Uses

Acquisitions

Close quickly on a time-sensitive purchase when traditional financing is too slow. Perfect for auction properties, off-market deals, and competitive bid situations.

Value-Add & Renovation

Finance the acquisition plus capital improvements. Stabilize the property, increase NOI, then refinance into a permanent loan at a higher value.

Lease-Up & Stabilization

Bridge the gap while you lease up a partially vacant property. Once occupancy reaches stabilized levels, refinance into long-term permanent debt.

Recapitalization

Refinance a maturing loan or pull out equity when your property doesn't yet qualify for permanent financing. Buy time while you execute your business plan.

Property Types We Finance

Multifamily & apartment buildings (5-500+ units)
Industrial & warehouse
Retail & shopping centers
Office buildings
Mixed-use properties
Hospitality & hotels
Self-storage facilities
Special-purpose & NNN properties

Why Use a Bridge Loan Broker?

Going directly to a single lender means you get one set of terms. Working with Commercial Lending Solutions, your deal is presented to multiple bridge lenders simultaneously, creating competition for your business and ensuring you get the best rate, highest leverage, and fastest execution available in the market.

Access to 1,000+ lenders, including specialized bridge and debt fund lenders you won't find on your own
One application, multiple competing term sheets
We negotiate on your behalf, rate, fees, prepayment, interest reserves, and extension options
Dedicated broker managing your deal from application through funding
No upfront fees, we only get paid when your loan closes

Prefer to talk? Call the broker directly.

310.758.4042

Trevor Damyan · Mon-Fri 9am-5pm PT

Get Your Bridge Loan Quote

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Or use our full application · Call 310.758.4042

FAQ

Bridge Loan Questions

A commercial bridge loan is short-term financing (typically 6-36 months) used to "bridge" the gap between an immediate capital need and a long-term financing solution. Bridge loans are commonly used for property acquisitions, renovations, lease-up periods, and recapitalizations. They close faster than conventional loans and are available for properties that may not yet qualify for permanent financing.

Most commercial bridge loans close in 2-4 weeks from application, compared to 45-90 days for conventional financing. Some lenders can close in as little as 7-10 business days for straightforward deals with clean title and a strong borrower. The exact timeline depends on property type, deal complexity, and how quickly you provide required documentation.

As of early 2026, commercial bridge loan rates typically range from 8% to 11%, depending on the property type, location, borrower experience, loan-to-value ratio, and deal complexity. Light bridge loans on stabilized properties with minor value-add components tend to be at the lower end, while heavier transitional deals are at the higher end. Contact us for a rate quote specific to your deal.

Yes. Most bridge lenders require 20-30% equity in the deal, meaning loan-to-value ratios typically max out at 70-80%. Some lenders will also lend based on the after-renovation value (ARV), which can effectively reduce the out-of-pocket equity needed. Mezzanine financing or preferred equity can sometimes be layered to reduce borrower equity further.

The terms are often used interchangeably, but bridge loans are typically offered by institutional lenders (debt funds, banks) with lower rates and more structured terms, while hard money loans come from private lenders and carry higher rates but even faster closings and more flexible underwriting. Commercial Lending Solutions has access to both types and will recommend the best fit for your situation.

Important Loan Disclosures

Representative Example: A $5,000,000 commercial bridge loan at 9.50% annual interest rate with a 12-month term, interest-only payments, and 1.5% origination fee would have estimated monthly interest payments of approximately $39,583 with a balloon payment of the full principal at maturity. Total estimated cost of the loan including origination: $5,549,996.

Rate Range: Commercial bridge loan rates typically range from 8.00% to 11.00% annually. Rates vary based on property type, location, loan-to-value ratio, borrower experience and creditworthiness, and market conditions. Rates shown are estimates and not guaranteed.

Fees: Origination fees typically range from 1.0% to 2.0% of the loan amount. Additional costs may include appraisal ($3,000-$10,000), legal fees ($5,000-$15,000), title insurance, environmental reports, and third-party inspections. All fees will be disclosed in writing before loan commitment.

Loan Terms: Bridge loans are short-term (6-36 months), typically interest-only with a balloon payment at maturity. Loan amounts range from $1,000,000 to $100,000,000+. Maximum loan-to-value (LTV) is typically 65%-80%. Loans may be recourse or non-recourse depending on the lender and deal structure.

Risks: Commercial bridge loans carry inherent risks including but not limited to: inability to refinance at maturity, property value decline, interest rate changes, construction delays, and potential loss of invested equity or the property itself. Borrowers should consult with qualified financial, legal, and tax advisors before committing to any loan.

Broker Disclosure: Commercial Lending Solutions (Commercial Lending Solutions) is a commercial mortgage brokerage, California DRE License #02244836. Commercial Lending Solutions does not make loans directly. All loans are originated and funded by third-party lenders. Commercial Lending Solutions receives compensation from the borrower, the lender, or both upon successful loan closing. Commercial Lending Solutions is not affiliated with or endorsed by any specific lender.

Bridge Loans: $1M-$50M | Fund in 7-14 Days