Important. This page is marketing material and does not constitute an offer or a commitment to lend. Any financing is subject to due diligence, credit approval, documentation, and conditions precedent.
Commercial Bridge Financing
We arrange time-sensitive bridge capital for commercial real estate and operating businesses secured by quality collateral. The mandate covers acquisitions, refinances, construction and lease-up gaps, partner buyouts, and recapitalizations. Execution focuses on collateral strength, cash flow visibility, and verifiable sources and uses.
Where this is most effective
- Acquisition with tight closing timelines
- Refinance of maturing or covenant-breached debt
- Construction completion and cost-to-complete gaps
- Lease-up and business plan transitions prior to takeout
- Recapitalizations pending sale or agency refinance
Typical structures
- Senior secured bridge with interest reserve and cash management
- Mezzanine or preferred equity behind bank senior where permitted
- Cross-collateralized facilities for portfolio transactions
- Holdback mechanics for capex and tenant improvements
Objective. Provide reliable interim capital and a clear path to permanent financing or sale.
Terms, Underwriting, and Process
| Topic | Parameters |
|---|---|
| Loan size | Generally 3 million to 150 million. Larger considered with syndication. |
| Tenor | 6 to 24 months with extension options subject to tests and fees. |
| LTV and LTC | Up to 65 to 75 percent of as-is or as-stabilized value depending on asset, business plan, and jurisdiction. |
| Pricing | Risk-based. Floating over benchmark with floor. Origination and exit fees sized to transaction complexity. |
| Security | First-priority liens or mezzanine pledges, guarantees as required, step-in rights, assignment of material contracts, and customary covenants. |
| Cash management | Blocked accounts, waterfall controls, interest and carry reserves, and completion or performance reserves as needed. |
| Underwriting | Third-party valuation, environmental, technical, and legal due diligence. DSCR and business plan testing under base and downside cases. |
| Closing timeline | Indicative term sheet after initial package. Credit approval and documentation on receipt of diligence and confirmatory reports. |
Initial information checklist
- Executive summary with sources and uses
- Detailed business plan and timeline to takeout
- Historical financials and current rent roll or revenue data
- Borrower and sponsor background, track record, and capitalization
- Property details, permits, and any third-party reports available
What strengthens approval
- Evidence of takeout via agency, bank, or sale process
- Committed equity and clear cost-to-complete coverage
- Independent valuation support and clean title
- Defined contingency budget and contractor agreements
- Transparent reporting and governance at the borrower level
Start a Bridge Financing Request
Submit your project details to receive an initial review and an indicative term sheet if suitable.
Open Client IntakeDisclaimers. Terms are illustrative and subject to change. Financing is contingent on satisfactory due diligence, market conditions, and final approvals. Nothing herein is investment, legal, tax, or accounting advice.
