# Bridge Lending

Short-Term Financing for Real Estate Opportunities.

We provide real estate bridge loans for acquisitions, refinancing, and transitional properties requiring capital before a sale or permanent financing becomes available.

## Financing That Bridges the Gap

Real estate opportunities often require capital before a property is ready for conventional long-term financing.

Bridge lending provides short-term financing to support acquisitions, address maturing debt, or accommodate periods of transition before an anticipated sale or refinancing.

These facilities are generally structured around the property's value, sponsor experience, transaction timeline, and intended repayment strategy.

### Short-Term Capital With a Defined Exit

Unlike permanent mortgage financing, bridge loans typically have shorter maturities and may include interest-only payment arrangements.

Repayment commonly depends on a planned property sale, refinance, or other approved exit strategy.

We evaluate the underlying real estate, loan-to-value ratio, market conditions, sponsor experience, and proposed exit when determining a financing structure.

## Capital for Time-Sensitive Transactions

- **Property Acquisitions.** Support qualifying acquisitions requiring financing within defined transaction timelines.
- **Maturing Mortgage Debt.** Address upcoming loan maturities while evaluating longer-term financing options.
- **Transitional Properties.** Provide financing for properties undergoing changes in occupancy, ownership, or investment strategy.
- **Bridge to Sale or Refinance.** Finance a property while preparing for disposition or permanent financing.

## Structured Around the Asset and the Opportunity

We understand that real estate transactions cannot always be evaluated through a standard lending formula.

Our approach considers the property's fundamentals, sponsor experience, market dynamics, financing requirements, and intended exit strategy.

We develop customized financing structures designed to support the transaction while maintaining a disciplined approach to underwriting.

- Flexible short-term structures
- Asset-focused underwriting
- First-mortgage security
- Terms aligned with transaction requirements
- Individual evaluation of each opportunity
- Responsive and personalized service

## Financing Parameters

- **Facility Size:** Generally $3M–$50M
- **Advance Rate:** Up to 75%
- **Loan Position:** First Mortgage
- **Loan Term:** Up to 36 months
- **Structures:** Short-term bridge financing, including eligible interest-only arrangements
- **Geography:** United States, South Florida focus
- **Eligibility Considerations:** Property value, marketability, sponsor experience, leverage, and exit strategy

_Terms are indicative and subject to underwriting and transaction requirements._

## Financing Around Your Transaction Timeline

1. **Property Assessment.** We evaluate the property's value, condition, sponsor background, and requested financing.
2. **Loan Structuring.** We establish proposed terms based on the collateral, loan-to-value ratio, transaction requirements, and exit strategy.
3. **Closing & Repayment.** Following approval and closing, financing is provided under the agreed terms, with repayment expected through the approved exit strategy.

## Sample Transaction: $3 Million Real Estate Bridge Loan

### Short-Term Refinancing for an Investment Property

**Property:** Investment Property

**Challenge.** A real estate investor required refinancing for an investment property being marketed for sale. The financing needed to accommodate the anticipated sale timeline rather than a conventional long-term mortgage.

**Solution.** We provided a $3 million first-mortgage bridge loan, structured with a 12-month, interest-only term at approximately 57% of the property's original acquisition price. The loan was structured around the investor's anticipated sale strategy, while preserving the option to transition the property to rental use if market conditions warranted.

**Result.** The financing provided short-term capital and time to pursue the planned property disposition.

## Related Solutions

- [Acquisitions & Refinancing](https://www.gobacapital.com/solutions/real-estate/acquisitions-refinancing/)
- [Stabilization & Repositioning](https://www.gobacapital.com/solutions/real-estate/stabilization-repositioning/)

- [Real Estate Financing](https://www.gobacapital.com/solutions/real-estate/)

## Explore Short-Term Real Estate Financing.

Find a bridge loan structure aligned with your property's requirements and transaction timeline.

[Let's Talk Success](https://www.gobacapital.com/contact/)