Commercial Bridge Loans
Short-term, interest-only financing to acquire, reposition, or stabilize a commercial property before moving into permanent debt.
Bridge loans give sophisticated investors the speed and flexibility a conventional lender can't match — closing in as little as 2-4 weeks versus 60-90 days for permanent financing. They're underwritten primarily on the asset and the business plan, not years of stabilized cash flow, which makes them the standard tool for acquisitions, value-add repositioning, lease-up, and recapitalizations. The loan is designed to be refinanced at exit — typically into agency, CMBS, or conventional permanent debt once the property stabilizes.
Based in San Rafael, we arrange bridge loans for Bay Area investors as well as sponsors nationwide through our network of 375+ lenders.
Apply Now- Interest-only payments during the term
- Up to 75% loan-to-cost
- 12-36 month terms, with extension options
- Non-recourse options for qualified sponsors
- Close in as little as 2-4 weeks
- Built for acquisition, value-add & lease-up strategies
| Lending Area | Nationwide |
|---|---|
| Loan Amount | $1,000,000 and up |
| Maximum LTC | Up to 75% loan-to-cost |
| Rates | Starting at — |
| Term | 12-36 months, interest-only |
| Recourse | Non-recourse options for qualified sponsors and deal sizes |
| Exit Strategy | Refinance into agency, CMBS, or conventional permanent financing |
| Origination Fee | Typically 1-2 points |
Bridge loan questions
A bridge loan is short-term (typically 12-36 months) and interest-only, underwritten primarily on the property and your business plan rather than years of stabilized cash flow. A conventional loan is longer-term, fully amortizing, and requires the property to already be stabilized. Bridge loans are designed to be refinanced into permanent debt once that stabilization happens.
Yes, for qualified sponsors and deal sizes — typically institutional-quality properties and experienced borrowers. Non-recourse bridge financing generally prices 50-100 basis points higher than recourse bridge debt, since the lender's recovery is limited to the collateral rather than a personal guaranty.
Most bridge loans are refinanced into permanent, fixed-rate financing once the property hits its stabilization or leasing targets — commonly agency debt (Fannie Mae/Freddie Mac for multifamily), CMBS conduit financing, or a conventional bank loan. Having a clear, realistic exit plan is one of the first things a bridge lender will underwrite.
Institutional bridge lenders can typically close in 2-4 weeks, compared to 60-90 days for conventional permanent financing — which is why bridge debt is the standard tool for time-sensitive acquisitions and deals with a seller deadline.
Yes — we're based in San Rafael and regularly arrange bridge financing for properties throughout Marin County, San Francisco, and the greater Bay Area, in addition to our nationwide lending programs.