Commercial Bridge Loans
What is a Bridge Loan?
Commercial bridge loans are short-term loans used by business owners or real estate investors to quickly access capital while waiting for permanent financing or another funding event to occur. Examples include:
1. Acquisition of Commercial Property
- When a buyer wants to purchase a property quickly and doesn’t have time to secure permanent financing.
- Ideal for competitive markets where speed is critical.
2. Renovation or Value-Add
- To fund improvements or repositioning of a property before refinancing or selling at a higher value.
- Common for fix-and-flip or value-add real estate deals.
- Real estate property conversions such as from assisted living to student housing
3. Stabilizing Property Income
- When a property is underperforming (e.g., vacant units, short leases) and doesn’t qualify for traditional commercial loan financing.
- Bridge loan helps cover costs until the property stabilizes and qualifies for a longer-term loan.
4. Interim Business Capital
- When a business is awaiting SBA loan approval, equity raise, or sale of another asset.
- Used to cover urgent expenses like payroll, inventory, or equipment.
5. Construction Completion
- To finish a construction project that ran out of budget or time under the original loan structure.
- You believe after renovations are complete you can lease out spaces or vacancies and qualify for a traditional commercial loan at later time
Loan Request
Contact Us
Why Should You Use One?
Commercial bridge loans are best used to cover short-term financing needs for a business owner or investor while waiting for longer-term financing or a liquidity event to take place (exit). They are intended to bridge you over until you reach your next milestone.
This loan is not ideal if the following apply to you. Please see our other loan options available here.
- If you don’t have a plan for converting to long-term financing (like refinancing, selling an asset, or securing traditional commercial loan).
- If your business or property doesn’t generate enough income to cover the bridge loan monthly payments.
- If you're relying on a future property sale without a projected timeline
- If you forsee your current business or real estate property value declining significantly in 1-2 years
Is This Loan Right for You?
Request your Free 30 Minute Consultation to talk with one of our experts about your real estate or business situation. We'll help you brainstorm creative loan options and explore various financing solutions.