Bridge Loan for Commercial Real Estate
Bridge Loan for Commercial Real Estate
A bridge loan can help you close quickly, unlock equity, or reposition a distressed asset while you arrange permanent financing.
Bridge loans are short-term loans used by commercial real estate sponsors to move fast. Whether it’s a time-sensitive acquisition, a refinance before stabilization, or a cash-out to take advantage of another opportunity, these loans give you the capital flexibility that banks can’t.
At Financely, we work with private lenders, debt funds, and credit-focused family offices to help clients close bridge loans from $1M to $50M — often in 2 to 4 weeks.
When a Bridge Loan Makes Sense
Bridge loans aren’t for every deal. They’re expensive, short-term, and come with performance expectations. But when used strategically, they can be a game-changer. Here are typical use cases:
- Property acquisition where time kills the deal
- Quick close before permits or entitlements are finalized
- Refinancing a maturing loan that banks won’t extend
- Cash-out to fund capex or secure a new investment
Bridge lenders underwrite the business plan, not just the tenant. If your asset has value on the other side of a renovation, lease-up, or stabilization — they’ll fund it.
What Lenders Look For in Bridge Deals
Unlike banks, bridge lenders prioritize execution and upside. Here’s what they care about:
- Location and asset class (urban multifamily > rural hospitality)
- Sponsor experience and track record
- Exit strategy (refi or sale within 6–24 months)
- Equity cushion — lenders want to see skin in the game
Most lenders will go up to 70–75% loan-to-value, depending on the asset and leverage profile.
Example: $8.5M Multifamily Repositioning in Georgia
One of our clients sourced a 90-unit property in Macon, Georgia, with below-market rents and deferred maintenance. The deal couldn’t qualify for agency debt yet — but had significant upside.
We helped structure a 12-month bridge loan with the following terms:
| Loan Amount | LTV | Interest Rate | Term |
|---|---|---|---|
| $6.2M | 73% | 11.25% Interest-Only | 12 Months + Extension Option |
The sponsor completed renovations, boosted rents, and secured a permanent Fannie Mae refi within 9 months — repaying the bridge lender early and unlocking additional equity.
How to Qualify for a Bridge Loan
You’ll need:
- A real estate acquisition or refinance opportunity
- Basic budget and business plan (capex, timeline, projected NOI)
- Entity structure and personal guarantees (in most cases)
- 5%–25% cash equity depending on the leverage and deal profile
Why Financely Clients Use Bridge Debt
We’ve helped sponsors close bridge loans on:
- Multifamily acquisitions before zoning is approved
- Distressed office-to-resi conversions
- Refis to delay agency debt until stabilization
- Urgent recapitalizations during buyouts
Every lender has a different risk appetite. We help you match the right capital to your asset strategy — and close fast, without wasting time on unqualified conversations.
Need a Bridge Loan for Your Next CRE Deal?
We help commercial real estate sponsors access flexible bridge debt from $1M–$50M — with terms built around your timeline and business plan. Submit your deal or book a call today.
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Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
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Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
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