Bridge to Stability

CommercialStabilization Loans

Lease-Up • Tenant Improvements • Pre-Refinance Positioning

Tailored short-term financing designed to help commercial properties reach stabilized performance levels. Whether you’re filling vacancies, improving tenant spaces, or preparing for long-term refinancing, our stabilization loans provide the capital you need to enhance cash flow and property value.

Loan Size
$500K - $20M+
Term Length
12-36 Months
Interest Structure
Competitive, project-based
Primary Purpose
Property Stabilization

Stabilization Solutions

Funding options designed to support properties that are not yet ready for permanent financing

Lease-Up Financing

Capital to support your property while occupancy ramps up

Key Features

Cover operating and carrying costs during the lease-up period
Support tenant improvement allowances and leasing commissions
Assist with marketing and brokerage fees to accelerate occupancy

Benefits

Interest-only payment options
Terms aligned with your stabilization timeline
Rapid approvals to avoid delays in tenant onboarding

Tenant Improvements

Enhance property appeal and meet tenant requirements to drive higher occupancy

Key Features

Finance build-outs and interior customizations
Upgrade common areas and building amenities
Modernize systems to attract creditworthy tenants

Benefits

Draw-based funding aligned with project milestones
Flexible terms for evolving tenant needs
Optional construction oversight available

Pre-Refinance Stabilization

Position your asset for the best long-term financing terms

Key Features

Improve occupancy and net operating income for refi readiness
Complete value-add upgrades that boost appraised value
Strengthen financials to meet lender stabilization benchmarks

Benefits

Better leverage options once stabilized
Higher valuation and improved NOI
Streamlined transition to permanent financing

Fast-Track Process

Funding timelines built for investors who can’t wait months

Assessment

1-3 Days
Property review
rent roll evaluation
stabilization plan analysis

Structuring

3-5 Days
Loan structure design
pricing
draw schedule
interest reserve setup

Approval

5-7 Days
Underwriting
appraisal coordination
documentation
final approval

Funding

2-3 Days
Closing
initial disbursement
draw account setup

Why Choose Our Stabilization Loans

Flexible Payment Options

Interest-only structures help preserve capital for leasing, improvements, and operational needs.

Quick Deployment

Faster approvals and closings than conventional lenders, helping you act on time-sensitive opportunities.

Performance-Aligned Terms

Loan milestones match your stabilization goals, occupancy levels, income targets, or completion schedules.

Refi-Ready Support

We help position your asset for the next financing stage, minimizing friction when transitioning to permanent debt.

Qualification Overview

Key criteria for stabilization loan approval

Property Requirements

Commercial income-producing real estate
Identifiable stabilization path
Healthy local market conditions
Achievable timeline to occupancy

Borrower Profile

Experience in commercial leasing or asset repositioning
Adequate liquidity for contingencies
Strong financial management
Demonstrated track record preferred

Deal Structure Expectations

Clearly defined stabilization milestones
Market-supported rental assumptions
Loan-to-value ratios within acceptable thresholds
Documented exit strategy (sale or refinance)

Ready to Stabilize Your Property?

Get the bridge financing you need to lease-up, improve, and optimize your commercial property for long-term success.

$500K-$20M+
Loan Amount
12-36 Mo
Terms
2-3 Weeks
Funding Time
All Types
Properties

Frequently Asked Questions

Everything you need to know about stabilization financing

A stabilization loan provides short-term financing to support a property during lease-up, renovations, or operational improvements. It helps investors reach income and occupancy levels required for permanent financing.

No. Stabilization loans are designed specifically for properties that are not yet fully leased or income-producing. However, you’ll need a realistic plan for achieving stabilization, supported by market data and leasing projections.

Loan proceeds are based on factors such as current property value, projected income, improvement costs, and exit strategy. Lenders typically evaluate rent rolls, submarket performance, and borrower experience before finalizing terms.

Funds may be used for tenant improvements, leasing commissions, property upgrades, interest reserves, and carrying costs during lease-up. Eligible uses vary by project and are reviewed during underwriting.

Get Your Stabilization Loan Quote Today

Fast approval • Flexible terms • Expert guidance