Short-Term Capital for Time-Sensitive Real Estate Transactions
We arrange high-end commercial bridge loans to support acquisition, repositioning, and transitional real estate strategies. Bridge loans provide short-term, asset-based financing that allows borrowers to act quickly, often when conventional lenders cannot meet timing or structural requirements.
These loans are commonly used for “acquire and improve” strategies, such as purchasing underperforming or distressed properties, completing renovations or operational improvements, and transitioning the asset toward stabilization, sale, or long-term financing.
What Is a Bridge Loan?
A bridge loan is a temporary financing solution used to bridge the gap between acquisition or repositioning and permanent financing or exit. Unlike conventional construction or permanent loans, bridge loans emphasize asset value, execution strategy, and borrower experience rather than stabilized income alone.
Because of their flexibility and speed, bridge loans typically feature:
- Shorter terms
- Asset-based underwriting
- Faster approval and funding timelines
- Higher rates than permanent financing
Common Uses for Bridge Loans
- Acquisition of distressed or transitional properties
- Capital improvements and renovations
- Lease-up or operational stabilization
- Repositioning prior to sale or refinance
- Interim financing pending permanent debt
Bridge loans allow borrowers to control the asset first and optimize value before locking in long-term capital.
Allowable Improvements:
- Lease-ups
- Foreclosure purchases
- Discounted payoffs
- Construction loan take-outs
- Rehabilitation
- Opportunistic acquisitions
Property Types We Finance
- Hotels
- Self-storage properties
- Mixed-use properties
- Multifamily
- Office buildings
- Shopping centers
- Industrial facilities
- Healthcare-related assets
Bridge Loan Guidelines (Indicative)
- Minimum FICO: 700
- Loan Amounts: $1,000,000 to $20,000,000
- Loan-to-Value: Up to 75%
- DSCR: Minimum 1.20 on stabilized assets
- Geography: No rural properties
- Prepayment: Required
- Appraisal: Required
Structure & Flexibility
- Cash-out available for capital expenditures (CAPEX)
- No impound requirements
- Entity or individual borrower closings
- Asset-based underwriting approach
- Designed for experienced sponsors
Speed & Execution
- Quick funding with limited conditions
- Most files are documented within 48–72 hours following appraisal
- Streamlined underwriting for qualified borrowers
- Focus on the certainty of execution
Our Bridge Loans
- Private, non-bank capital
- Asset-driven underwriting
- Fast decision-making
- Flexible structures for transitional assets
- Nationwide commercial lending capability
- Experienced-borrower focus
If you are acquiring, repositioning, or stabilizing a commercial asset and need short-term capital, we can deliver bridge loan solutions.
