Commercial lending | All 50 states

Bridge Loans for commercial real estate.

Short-term commercial real estate financing for acquisitions renovations lease-up recapitalizations and time-sensitive transitions. Transaction positioning, direct lending, underwriting and closing support for qualifying opportunities nationwide.

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National Lending with $600+ Million in CRE Loan Requests Processed Monthly

Bridge loan qualification

What Lenders Review for a Commercial Bridge Loan

Qualification Profile

  • Sponsor execution historyCompleted value-add, lease-up or repositioning projects similar to the plan behind the commercial bridge loan.
  • Cash equity and liquidityEquity invested in the property and liquidity available to carry the asset through the bridge period.
  • Why bridge financing fitsThe timing, occupancy or condition issue that makes interim capital more suitable than permanent debt today.

Property & Loan Considerations

  • As-is and stabilized valueCurrent value, the projected value after the business plan and the leverage requested against each.
  • Collateral and securityFirst-lien position and the property, guarantees or additional collateral securing a secured bridge loan.
  • Renovation and leasing budgetCapital improvements, tenant improvements and leasing commissions funded at closing or through future advances.
  • Term and extensionsA short term bridge loan period with extension options tied to measurable milestones in the plan.

Market Profile

  • Achievable rents and occupancyMarket rents and stabilized occupancy that support the projected income after the transition.
  • Absorption and leasing velocityHow quickly comparable space or units have leased, which informs the bridge timeline.
  • Takeout lender appetiteWhether permanent lenders are actively financing the asset type in the market once it stabilizes.

Execution & Underwriting Considerations

  • Business plan milestonesConstruction, leasing and operational targets used to measure progress during the loan term.
  • Interest and carry reservesReserves sized to cover interest and operating shortfalls while income is being rebuilt.
  • Exit to permanent financing or saleThe bridge-to-permanent refinance or disposition that repays the loan, with supporting assumptions.
  • Closing timelineContract deadlines, maturities or other events driving the schedule, and the diligence needed to meet them.

All financing opportunities remain subject to underwriting, diligence, documentation and capital-provider approval.

Commercial bridge financing

Bridge Financing for Commercial Real Estate in Transition.

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