Short-term capital on apartment buildings and commercial property for a loan coming due, a purchase with a hard closing date, or equity you need out of a building before a long-term loan can close.
Most bridge requests we review come down to a date. A loan matures before the long-term refinance is ready. A seller wants to close this month. A partner wants to be bought out, or the next acquisition needs capital before the current building can be refinanced.
A bridge loan solves the date. Underwriting starts with the equity and how the loan gets paid off, so the paperwork is lighter than on long-term debt and closings move quickly.
It costs more than a long-term loan, and it is meant to be temporary. Most owners hold it for 6 to 18 months, then refinance into long-term financing. We can lay out that long-term loan before the bridge closes, so the whole plan is on paper from the start.
These are typical ranges, not a quote. Your terms depend on the property, the equity in it, your credit, and how quickly it needs to close.
On a purchase, the seller can carry part of your down payment and cover more of your closing costs than most loans allow.
On a qualifying $2,000,000 purchase with a $1,500,000 bridge loan, the seller could carry about $166,000 of the $500,000 down payment. Planning to use seller credits or seller financing? Tell us when you send the deal, and we'll build the loan around it.
See your cash to closeEvery property type below can refinance into a long-term loan on this site once it's stabilized. Open a type for how the bridge and the exit work.
Apartment buildings in lease-up, value add, or coming off a maturing loan.
Multifamily Bridge Loans
Medical, professional, and multi-tenant office with a loan coming due or space to fill.
Office Bridge Loans
Strip centers and standalone retail between tenants or coming off a maturing loan.
Retail Bridge Loans
Vacant or partially leased warehouse, flex, and light industrial.
Warehouse Bridge Loans
Facilities still filling up, or coming off a maturing loan.
Self Storage Bridge Loans
Buildings with vacant commercial space below or residential still leasing.
Mixed Use Bridge LoansBridge works on apartment buildings from 5 units up, mixed use, retail, office, light industrial, and self storage.
The current loan matures before the long-term refinance is ready, or the extension terms don't work. A bridge loan pays it off and gives the building time to season or stabilize.
The seller won't wait on a long approval process, or a 1031 exchange has a deadline. Bridge closes the purchase now, and the long-term loan follows once the property is yours.
Free and clear or lightly leveraged property, and capital needed for the next acquisition, a renovation, or the business. Bridge releases the equity before a long-term loan could.
One owner wants out and the rest want to keep the building. Bridge funds the buyout so the property stays with the owners who are holding it.
Occupancy or income isn't where a long-term loan needs it yet. Bridge carries the building through the lease-up, then you can refinance into long-term debt. See how the refinance works.
Owner occupied homes, raw land, agricultural property, and special use property without a clear exit.
Send the propertyBridge decisions come down to three things.
How much value sits in the property, and in any other property you can add as collateral. More equity means more room on everything else.
How the loan gets paid off: a long-term refinance, a sale, or a stabilized building. We want to see a plan that works on today's numbers.
When it has to close. Tell us up front, and we'll tell you whether it can be met before anything gets ordered.
The address, what you need the loan to do, when it needs to close, and whether you plan to use seller credits or seller financing.
Loan amount, rate, points, term, and what it takes to close, including the payoff of any current loan.
An appraisal, a BPO, or property photos and video depending on the loan, plus title, insurance, and your entity documents, all moving at the same time.
Documents go to title, get signed, and the loan funds. If a long-term refinance is part of the plan, that work starts here too.
Interest only for the full term on apartment buildings, often for the most cash out.
Ground up construction financing for 2 to 50+ unit apartment buildings.
30 year fixed available on retail, office, warehouse, and mixed use.
Send the address, what you need the loan to do, and when it needs to close. Planning to use seller credits or seller financing? Mention it here and we'll build the loan around it.
