A commercial bridge loan is short-term, interest-only financing that lets you acquire, refinance, or reposition commercial property fast — underwritten to the asset and the plan, not your tax returns.
Bridge financing exists for the moments permanent debt can’t handle: a maturing loan on a property that isn’t ready for bank underwriting, an acquisition that has to close before a lease-up is complete, a value-add play that needs capital now and a refinance later. With a historic volume of commercial mortgages maturing in 2026, bridge loans have become the working tool for owners who need time — to stabilize, to season, or simply to close. This is business-purpose financing for non-owner-occupied commercial and investment property.
What you can finance
- Up to ~80% of as-is value on select property types; specialty assets are sized case-by-case.
- Loan amounts from ~$300K to $10M+.
- Terms of 6–24 months, interest-only — pay for the time you need, not a 30-year structure.
- Purchase, rate/term refinance, and cash-out transactions.
- Credit typically from ~620, with flexible credit scenarios considered on select programs.
- First-time investors eligible — experience earns more leverage but isn’t a gate.
- Cross-collateral and blanket structures available across multiple properties.
Property types we fund
Multifamily (5+ units), mixed-use, office, retail, industrial, warehouse, self-storage, and automotive properties — plus 1–4 unit investment property and portfolios held for business purposes. If the asset produces income (or will once your plan is executed), it’s a candidate.
Maturing commercial debt: the 2026 refinance problem
Hundreds of billions of dollars in commercial mortgages come due in 2026, and many of those properties don’t fit permanent underwriting today — occupancy is off, leases are rolling, or renovations are mid-stream. A bridge loan retires the maturing debt, buys 6–24 months to execute the plan, and positions the property for a permanent refinance on better footing. If your loan is maturing, the worst move is waiting; the earlier a bridge is structured, the more options you keep.
How commercial bridge financing works
Underwriting centers on the property’s as-is value, its as-stabilized value and cash flow, and the credibility of your exit — a sale or a permanent refinance. Because the analysis is asset-driven, timelines run substantially faster than bank underwriting. When the plan is executed, we transition you to permanent financing in-house: our multifamily & mixed-use DSCR programs and small-balance commercial loans are built to be the exit, so the bridge and the take-out are planned together from day one.
Who it’s for
- Owners facing a loan maturity on a property that isn’t ready for permanent debt.
- Buyers who need to close fast on time-sensitive commercial acquisitions.
- Investors repositioning or re-tenanting a property before a permanent refinance.
- Sponsors pulling cash-out of a stabilized asset to fund the next project.
Frequently asked questions
What is a commercial bridge loan?
It’s short-term financing — typically 6 to 24 months, interest-only — secured by commercial or investment real estate. It “bridges” the gap between where a property is today and a longer-term outcome: a sale, a stabilization, or a permanent refinance.
How fast can a commercial bridge loan close?
Because underwriting is asset-based, bridge loans generally close in weeks rather than the months a bank requires — the exact timeline depends on third-party reports like appraisal and title.
How much can I borrow?
Loan amounts run from roughly $300K to $10M+, with leverage up to ~80% of as-is value on select property types. Specialty assets and larger balances are structured case-by-case.
My commercial loan is maturing but the property isn’t stabilized. What are my options?
This is the most common bridge scenario in 2026. A bridge loan pays off the maturing debt and gives you 6–24 months to finish lease-up or renovations, then exits into a permanent loan once the numbers support it. Starting 60–90 days before maturity keeps the most options open.
Can I close in an LLC? What about foreign nationals?
Yes — entity vesting is standard for business-purpose loans. Foreign national borrowers are eligible on select programs at adjusted leverage.
What counts as an acceptable exit strategy?
A sale of the property or a permanent refinance are the standard exits. We structure the take-out at the same time as the bridge — often through our own multifamily DSCR or small-balance commercial programs — so the exit is a plan, not a hope.