Bridge Loans
Short-term financing to bridge the gap between buying and selling commercial properties.
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Overview
Bridge Loans provide short-term financing solutions for commercial real estate transactions where timing is critical. These loans are designed to "bridge" the gap between the purchase of a new property and the sale of an existing one, or to provide quick funding while arranging permanent financing. Bridge loans are ideal for investors who need to act quickly on opportunities or require temporary financing during property transitions.
Our bridge loan programs offer fast approval and funding, flexible terms, and competitive rates for qualified commercial real estate transactions. Whether you're acquiring a new property, refinancing existing debt, or need capital for property improvements, our bridge loans provide the speed and flexibility required in today's competitive commercial real estate market.
Key Benefits
- Quick funding - typically 2-3 weeks to closing
- Flexible exit strategies (sale, refinance, or extension)
- Loan amounts from $500,000 to $25 million
- Interest-only payment options
- No prepayment penalties
- Asset-based underwriting approach
- Cross-collateralization options available
- Experienced commercial lending team
- Creative structuring for complex situations
- Bridge to permanent financing programs
Requirements
- Clear and viable exit strategy within 12-24 months
- Commercial property as collateral
- Minimum credit score of 650
- Demonstrated commercial real estate experience
- Property appraisal and market analysis
- Financial capacity to service debt payments
- Property insurance and environmental clearance
- Personal or corporate guarantee typically required
Our Process
Initial consultation to assess financing needs and timeline
Rapid preliminary approval based on collateral and borrower strength
Property evaluation and loan structuring
Final underwriting and risk assessment
Loan documentation preparation
Quick closing and immediate fund availability
Ongoing support through loan term and exit execution
Frequently Asked Questions
What is the typical term for a bridge loan?
Bridge loans typically have terms of 6 months to 3 years, with most loans structured for 12-24 months. Extensions are often available if needed to execute the exit strategy.
How quickly can a bridge loan close?
Our streamlined process can close bridge loans in as little as 2-3 weeks, significantly faster than traditional commercial mortgages which can take 45-60 days or longer.
What are typical interest rates for bridge loans?
Bridge loan rates vary based on loan-to-value ratio, property type, and borrower strength, typically ranging from 7-12% annually, reflecting the short-term nature and quick approval process.
Can bridge loans be used for property improvements?
Yes, bridge loans can include funding for property improvements, renovations, or repositioning strategies as part of the overall financing package.
What happens if the exit strategy is delayed?
We work with borrowers to accommodate reasonable delays and offer extension options. Additional fees may apply, but we strive to provide flexible solutions for changing market conditions.
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