Bridge Lending

Short-Term Financing for Real Estate Opportunities.

Financing That Bridges the Gap

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

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

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

  3. 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.

Financing Around Your Transaction Timeline

  1. 01

    Property Assessment

    We evaluate the property's value, condition, sponsor background, and requested financing.

  2. 02

    Loan Structuring

    We establish proposed terms based on the collateral, loan-to-value ratio, transaction requirements, and exit strategy.

  3. 03

    Closing & Repayment

    Following approval and closing, financing is provided under the agreed terms, with repayment expected through the approved exit strategy.

Financing Parameters

Terms are indicative and subject to underwriting and transaction requirements.

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
Sample Transaction

$3 Million Real Estate Bridge Loan

Short-Term Refinancing for an Investment Property

Investment Property

The 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.

Our 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.

The Result

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

Explore Short-Term Real Estate Financing.

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

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