Commercial Bridge Loans

Learn About The Commercial
Bridge Loan Program

Hear from our Managing Partner David DiNatale about Capital Funding's Commercial Bridge Loan Program.
Capital Funding's Commercial Bridge Loan Program is sure to help you maximize your investment and turn a profit.

What is a Commercial Bridge Loan?

A “Commercial Bridge” loan is a short-term loan used to cover purchase price or refinancing for a property quickly in order to take advantage of a short-term or time-sensitive opportunity, accommodate an urgent closing, or bridge the gap between purchase and permanent financing. A Commercial Bridge Loan is a great fit in the following situations:

  • Unique acquisition situations requiring non-conventional short and long-term financing such as a foreclosure sale or REO
  • Sale & Leaseback Scenarios in need of quick closings
  • Distressed Sales, IRS Liens, Bankruptcy Resolutions, Debt Consolidation
  • Partner Equity Buyouts
  • Mortgage Acquisitions and Discounted Mortgage Buybacks
  • Rehab & Conversion opportunities which require property stabilization before permanent loans can be obtained
  • Deals in which traditional lenders require complex qualifications and documentation

At Capital Funding, our commercial bridge loans close quickly… in as little as 7-14 days at rates starting at 7.99%! Our commercial bridge loans require no personal finance verification and very little documentation from the property owner. Instead, the underwriting is primarily based on the real estate asset itself.

HOW TO GET A COMMERCIAL BRIDGE LOAN

Secure a commercial bridge loan quickly for your commercial building purchase with Capital Funding, the fastest hard money lender. Get approved now and let us fuel your real estate investment dreams with speed and ease.

Investment Criteria

Loan Size$2,500,000 – $100 Million
Loan Term12, 18, 24, 36 month options
Time to Close28 – 45 Days from Deposit
Asset ClassesMultifamily, Mixed Use, Retail, Industrial, Self-Storage, Warehouse, Data Center, Office, Medical Office, Independent & Assisted Living (case by case)
LTVLesser of up to 75% of the “as is” Value or 65% – 70% of the “as stabilized” Value
Lien PositionSenior secured first mortgage or deed of trust
Interest Rate1 Month SOFR + 400 – 850 BPS
Origination Fees2.00% – 3.50% (adjusted to loan size, timing and complexity)
AmortizationInterest Only
“Stabilized” Debt Yield8.75+
“Stabilized” DCR1.25x
CapEx/TI HoldbacksHoldbacks for renovations & tenant improvements
PPP / Yield MaintenanceMinimal prepayment penalty generally for ½ of the initial term
RecourseRecourse & Nonrecourse Options with “bad boy” carve outs
Minimum Net Worth & LiquidityNW > LA | Liquidity of 5% – 10% of LA

MAXIMIZE YOUR CAPITAL WITH A COMMERCIAL BRIDGE LOAN

Capital Funding’s commercial bridge loans empower real estate investors with rapid closings in as little as 28-45 days from deposit, financing up to 75% of the property’s value, and flexible criteria that require only a 600 minimum FICO score with no personal income verification. Secure or refinance multifamily, office, retail, or other commercial properties, execute value-add strategies, and bridge to permanent financing or sale while preserving your capital.

 

Eligible Properties for Commercial Bridge Loans

The following properties and real estate asset classes can qualify for a commercial bridge loan.

Industrial

Industrial is property classification used for manufacturing, production, and storage facilities. At Capital Funding, we will lend to real estate investors looking to purchase or refinance industrial properties with loan amounts of $250,000+.

Mixed Use

Mixed-use is a type of development that blends commercial and residential property uses into one integrated complex or building. At Capital Funding, we will lend to real estate project investors in the following scenarios: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out on mixed use projects with loan amounts from $250,000+.

Multi-Family

Multi-family properties are a classification of housing where multiple units (5+) for residential use are contained within one or more buildings within one community or complex. At Capital Funding, we will offer real estate loans to investors looking to purchase or refinance multi-family acquisitions with loan amounts of $250,000+.

Retail

Retail is any property used for commercial retail space such as a storefront for selling goods or services or a large retail center. Capital Funding Financial will lend to real estate investors and business owners who are looking for a loan for: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out from $250,000+.

Office

Office is a property classification which generates income from tenants composedof businesses and professionals. Capital Funding will lend to real estate investors and business owners who are looking for a loan for: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out from $250,000+.

Hospitality

Capital Funding will lend to experienced hotel owners or operators with a flag in the hotel and lodging sector. Loan amounts for the hospitality industry are $500,000+.

Other eligible property types include: Self storage, Gas Stations, Medical Office, Agricultural.
The common uses for these purchases include: Acquisition, refinance, cash-out, renovation / construction.

Required Documents

We recommend being prepared to provide the following documentation in order to process this type of loan as efficiently as possible.

Property Documents

Current Rent Roll
Operating Statements for Last Two Years & YTD
Operating Budget/Proforma for Next 12 Months
Purchase Contract or Payoff & Current Mortgage Statement (if applicable)
Leases
Property Management Agreement
Plan to Stabilize the Property with Timeline and Budget/Costs (if unstabilized)
Planned and Past Capital Improvements
Valuation (to be ordered)
Title & Insurance Contacts

Personal Documents

Loan Application
Copy of Driver’s License & Passport
Personal Financial Statement
Schedule of Real Estate Owned
Bio/Resume
Last Two Months of All Bank Statements

Business Documents

Last 2 Years of Tax Returns (if applicable)
Entity Documents – Articles of Organization + Bylaws/Operating Agreement
Organizational Chart

APPLY NOW

Get the fastest hard money lender on your side and let Capital Funding fund your dreams.

Why Choose Capital Funding's
Commercial Bridge Loan Program

  • I will use the Capital Funding Financial again in the future on our ground up construction projects. Great team and great service! They were fast and reliable in getting us approved and we closed on time with little to no documentation.

    Shane Strawbridge
  • Capital Funding Financial closed on our commercial building with an asset based bridge loan in less than 14 days. It was a very easy loan process with constant communication, transparency, and a great team that followed up daily to make sure we met our closing deadline! I will use them again in the future. 5 stars.

    Jared Allen
  • The top hard money lender in Florida. I have used them on multiple occasions and they have been excellent to deal with. I have closed ahead of schedule on each transaction. Great communication, transparent pricing, and great service. I highly recommend using them for any rental loans, fix & flip loans, hard money loans, or commercial bridge loans.

    Joe Garcia

LET’S GET STARTED

Wondering which program best fits your investment? Speak to a loan officer to get tailored guidance on the best options for your property.
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5550 Glades Rd Ste #200,
Boca Raton, FL 33431

Required Documents

We recommend being prepared to provide the following documentation in order to process this type of loan as efficiently as possible.

Property Documents

Purchase Contract or Payoff & Current Mortgage Statement (if applicable)
Leases (if applicable)
Renovation Budget
Plans/Specs
Valuation (to be ordered)
Title & Insurance Contacts

Personal Documents

Loan Application
Copy of Driver’s License & Passport
Personal Financial Statement
Schedule of Real Estate Owned
Track Record/Bio
Last Two Months of All Bank Statements

Business Documents

Entity Documents – Articles of Organization + Bylaws/Operating Agreement