Commercial Bridge Loans

Bridge loans are typically short term financing solutions (often 6 to 24 months) designed to provide temporary capital during acquisitions, renovations, or transitions to long term financing. They may offer faster evaluations and place more emphasis on the value and condition of the property rather than extensive financial history.Traditional commercial loans usually have longer terms (5 to 30 years), require more detailed credit and financial documentation, and can take several weeks or more to close. They are generally used once a property is stabilized and meets conventional lending criteria.

In many cases, yes. Bridge financing is often asset based, meaning the property’s value, equity position, and exit strategy may carry more weight than credit scores alone. While credit history is reviewed, strong collateral and a clear repayment plan such as refinancing or a planned sale can help support eligibility.

Bridge loans can be considered for a wide range of commercial real estate including office buildings, retail centers, industrial warehouses, hospitality properties, mixed use buildings, and multifamily properties with five or more units. Eligibility depends on factors such as property value, location, use, and the borrower’s overall plan for the property.

An exit strategy outlines how the bridge loan will be repaid at the end of the term. Common approaches include refinancing into permanent commercial financing once the property meets traditional loan requirements, selling the property after improvements, or stabilizing occupancy and then refinancing. The exit strategy should be realistic, supported by market conditions, and aligned with the loan term.