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    Commercial bridge loans

    Short-term loans (usually 12–36 months) that get you to the next step: a purchase that has to close fast, a property that isn't stabilized yet, or a refinance while you wait for permanent financing. Bridge lenders care most about the property and your exit plan, less about tax returns.

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    Program terms
    Best forFast purchases, transitional property, refinancing while you set up permanent debt
    Loan size$1M to $50M+
    Recent quotes8.75%–12.75%, interest-only
    Leverage50–75% of as-is value; up to ~90% of cost on some purchases
    Term12–36 months, extensions often available
    Lender pointsAbout 0.75–2
    RecourseVaries; non-recourse with carve-outs on stronger deals
    Time to closeAbout 2–4 weeks
    DocsProperty details, purchase contract or payoff, budget, exit plan, bank statements

    Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.

    Good fit: vacant or transitional property; deal a bank won't touch yet (missing certificate of occupancy, lease-up, title issues); speed matters.
    Not a fit: you need a 25-year fixed loan today; no realistic exit.

    How it works

    1. Send the property, the amount and the exit plan. 2) Soft numbers. 3) Appraisal and title. 4) Close, often in weeks.

    Common questions

    • What's an exit? How the bridge loan gets paid off: a refinance, a sale, or a construction loan.
    • No certificate of occupancy. Can I still get a loan? Often yes, from bridge lenders. Some decline it; others price it in. We know which.
    • Can I use another property as extra collateral? Yes. Cross-collateralizing a second property can increase what you can borrow.

    Recent transactions

    USDA B&I guaranteed loanClosed

    From MCAs and a tax lien to a $6.75M USDA loan for a rural industrial contractor

    Loan amount
    $6,750,000
    Property
    Industrial
    Location
    Louisiana
    Owner-user bridgeClosed

    Cutting $300K+ a year in debt costs for a California aerospace manufacturer

    Loan amount
    $2,750,000
    Property
    Industrial, owner-occupied
    Location
    California
    Rehab-completion bridgeClosed

    $3M rehab-completion bridge on a 56-unit Georgia apartment complex

    Loan amount
    $3,000,000
    Property
    Multifamily, 56 units
    Location
    Georgia
    Cash-out bridgeClosed

    A cash-out bridge on a cannabis-tenanted building in New Jersey

    Loan amount
    $500,000
    Property
    Commercial
    Location
    New Jersey

    Special situations

    Appraisal came in lowWhy lenders size loans off appraisals and cost basis instead of your number, how often it happens, and what to do about it.How it gets solvedNo certificate of occupancyWhy a missing CO kills many loans, when it doesn't matter, and which kinds of lenders will still lend.How it gets solvedCredit scoreWhich loan types care about your FICO, which care more about the property, and what scores move pricing.How it gets solvedTax returns show a lossWhy bank and SBA lenders decline on weak tax returns, and the asset-based and bridge-to-SBA alternatives.How it gets solved

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