Short-Term Financing

Bridge Loans for Commercial and Residential Investment Property

Financing solutions for acquisition, refinance, and repositioning of commercial and investor-owned residential properties where a permanent financing solution is not yet available. Bridge loans provide short-term capital to stabilize, improve, or recapitalize an asset in advance of a permanent exit.

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Loan Size

$500K – $10M

LTV

Up to 75%

Term

12 – 36 Months

Extensions

Available (subject to performance)

Recourse

Recourse and Non-Recourse considered

Purpose

Acquisition, Refi, Recapitalization

Eligible Property Types

  • Multifamily (5+ units), including value-add and transitional
  • Mixed-use commercial and residential
  • Retail, office, industrial, and warehouse
  • Single-tenant net lease and multi-tenant income-producing commercial
  • Non-owner-occupied 1–4 unit residential investment properties
  • Light-to-moderate value-add and stabilization scenarios

Common Use Cases

  • Acquisition of a commercial property prior to lease-up or stabilization
  • Repositioning a value-add multifamily or retail asset
  • Bridge financing while permanent debt is arranged
  • Recapitalization of equity from a stabilized asset ahead of sale or refi
  • Time-sensitive acquisition requiring certainty of close
  • Payoff of a maturing loan on a transitional property

Typical Borrower Profile

  • Experienced commercial real estate sponsors and operators
  • Developers bridging between construction completion and permanent financing
  • Investors acquiring value-add assets with a defined stabilization plan
  • Sponsors facing maturity on existing debt with an identified exit strategy
  • Real estate operators seeking short-term capital for strategic repositioning

Required Documentation

  • Property summary including address, asset type, unit count, and current occupancy
  • Rent roll and historical operating statements (T-3 or T-12 as available)
  • Borrower/sponsor background and track record
  • Business plan or value-add strategy summary
  • Sources and uses of funds
  • Preliminary appraisal or recent valuation
  • Identified exit strategy (sale, refinance, or lease-up)

Frequently Asked Questions

What is a bridge loan and when is it the right tool?

A bridge loan is short-term financing used to 'bridge' a gap between the current state of a property and its long-term financing solution. It is appropriate when a property is in transition — being acquired, repositioned, stabilized, or recapitalized — and does not yet qualify for permanent financing based on income or occupancy.

What is the difference between a bridge loan and a DSCR loan?

Bridge loans are short-term (12–36 months), used for transitional or value-add scenarios, and are typically interest-only. DSCR loans are long-term (up to 30 years), used for stabilized investment properties, and are underwritten to rental income. A bridge loan is often used before refinancing into a DSCR or permanent loan.

Are bridge loans recourse or non-recourse?

Both recourse and limited non-recourse structures are available depending on loan size, sponsor profile, collateral, and program parameters. This is discussed during the preliminary term process.

What is an acceptable exit strategy for a bridge loan?

Acceptable exits include sale of the property, refinance into a permanent or DSCR loan upon stabilization, or refinance into a conventional commercial mortgage. Exit strategy feasibility is evaluated as part of underwriting.

Request Preliminary Terms

Submit your loan request summary and a member of our originations team will follow up to discuss preliminary terms.

Submit a Loan Request Contact Originations

Eligible Markets

Lending is limited to the Top 200 U.S. MSAs. Rural and low-population markets are not eligible.

Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.

Related Programs

Commercial Real Estate Financing Multifamily Financing DSCR Rental Loans Fix-and-Flip Loans

How the Preliminary Term Process Works

Programs are available for qualified sponsors, developers, brokers, and real estate investors. Preliminary terms are subject to underwriting, valuation, market conditions, borrower qualifications, collateral review, and final credit approval.

Step 01

Submit Loan Request Summary

Provide property address, loan amount requested, use of proceeds, and sponsor information through our secure loan request submission portal.

Step 02

Preliminary Review

Our originations team reviews the submission and responds with a preliminary indication of interest and any additional information needed.

Step 03

Term Sheet Issuance

If the loan request meets our program criteria, we issue a preliminary term sheet outlining structure, pricing, and conditions for formal underwriting.

Submit a Loan Request