Notice. This page is informational and general in nature. Any commercial bridge loan remains subject to third-party underwriting, collateral review, KYC and AML checks, sanctions screening, valuation, legal documentation, and final credit approval.
Commercial Bridge Loans
Bridge debt is built for speed, not guesswork. If your transaction is time-sensitive, the file has to be structured correctly on day one.
FG Capital Advisors supports commercial bridge loans for acquisitions, refinance gaps, recapitalizations, and closing deadlines. We handle structuring, lender introductions, and execution support through closing.
Request A QuoteWhere Commercial Bridge Loans Fit
- Fast-close acquisitions where permanent debt is not ready yet.
- Refinance deadlines when an existing lender is exiting.
- Stabilization periods for under-leased or repositioning assets.
- Time-bound recapitalizations with near-term liquidity needs.
- Transitional phases before agency, bank, or long-term private credit takeout.
Property Types Commonly Considered
| Property Type | Typical Bridge Use | Core Underwriting Focus | Exit Path |
|---|---|---|---|
| Multifamily | Acquisition, light renovation, lease-up. | Rent roll quality, debt service coverage trajectory. | Stabilized refinance or sale. |
| Industrial And Logistics | Fast-close purchase, tenant rollover bridge. | Tenant strength, remaining lease term, market vacancy. | Term debt after occupancy normalization. |
| Office | Repositioning, tenancy transition. | Leasing plan credibility and sponsor liquidity. | Refinance after de-risking. |
| Retail | Bridge through re-tenanting or anchor replacement. | Cash flow durability and leasing milestones. | Sale or stabilized debt placement. |
| Hospitality | Seasonal or operational turnaround bridge. | Operating statements, management plan, ramp assumptions. | Refinance after performance recovery. |
Typical Loan Features
| Feature | Typical Bridge Range | What Moves The Terms |
|---|---|---|
| Tenor | Short-term, often 6 to 36 months. | Clarity and credibility of the exit timeline. |
| Advance Profile | Property and sponsor dependent. | Asset quality, income visibility, and sponsor track record. |
| Pricing | Risk-adjusted and structure-specific. | Leverage, cash flow stability, and jurisdiction risk. |
| Structure | Senior bridge, with optional mezzanine layer when feasible. | Capital stack discipline and intercreditor terms. |
| Covenants | Reporting, reserve, and milestone-based terms. | Business plan realism and downside protection. |
Clear Process From Intake To Closing
| Step | What We Do | Output |
|---|---|---|
| 1) Deal Intake | Review purchase agreement or refinance scenario, timeline, and funding gap. | Initial eligibility screen. |
| 2) Structuring | Define bridge size, use of proceeds, covenant framework, and exit logic. | Lender-ready structure outline. |
| 3) Underwriting Package Build | Prepare credit memo, financial model inputs, collateral file, and data room. | Submission-grade package. |
| 4) Targeted Lender Introductions | Introduce to matched bridge lenders and coordinate live feedback. | Indicative terms or written declines. |
| 5) Term Negotiation | Compare economics, reserves, covenant terms, and prepayment language. | Negotiated term path. |
| 6) Diligence And Documentation | Support legal, valuation, third-party reports, and compliance workstream. | Credit-approved closing package. |
| 7) Closing Coordination | Manage closing checklist with counsel, lender, and borrower team. | Funded bridge facility. |
What To Submit For A Quote
- Executive deal summary and requested bridge amount.
- Property address, asset type, and current occupancy.
- Purchase contract or refinance payoff details.
- Rent roll, trailing operating statements, and current debt schedule.
- Sponsor track record and liquidity evidence.
- Business plan with exit strategy and timeline.
- KYC and AML documents for borrowing entities and principals.
Why Bridge Files Fail
- No credible exit. If takeout logic is weak, credit committees hesitate.
- Timeline mismatch. Borrower deadlines ignore diligence and legal reality.
- Incomplete package. Missing rent data, borrower details, or property reports.
- Aggressive leverage request. Terms requested do not match asset risk.
- Weak sponsor support. Limited liquidity for carry costs and contingencies.
If you need a commercial bridge loan with a clear path to closing, submit your file. We structure the transaction, run lender introductions, and support execution through underwriting and documentation.
Request A QuoteDisclosure. FG Capital Advisors is not a bank or direct lender. Services are provided on a best-efforts basis through third-party capital providers and are always subject to underwriting, compliance, and definitive legal documentation.
