Bridge & Value-Add Financing
A property that is not yet stabilized, a closing date that will not move, or a maturity coming up before the refinance market recovers. Bridge financing exists for that gap. We place bridge and value-add loans from $1M to $150M across a network of 8,000+ capital sources. No cost to apply, no credit pull at inquiry.
Apply now →Bridge lenders underwrite the exit. The question is how the loan gets repaid: sale, refinance into permanent financing, or lease-up to a defined occupancy. A written business plan with dates beats a general promise. Lenders compare the plan to the market and the sponsor's record.
Sizing uses two values. Most bridge programs look at as-is value for the initial advance and as-stabilized value for the total commitment. Capital expenditure holdbacks are released against completed work. A clear budget and scope make the holdback conversation simple.
Speed depends on the file, not just the lender. Rent roll, trailing financials, an organized property summary and a clean entity chart let a lender move to a term sheet quickly. Missing documents are the usual cause of delay. Tell us your deadline up front and we route to programs that can meet it.
Recourse and structure are negotiable. Interest-only terms, extension options and recourse carve-outs vary by program. Knowing which matter most to you before we shop the file gets better matches.
Tell us the real story on your deal. Within one business day an underwriter tells you whether it is financeable and which of our 8,000+ capital sources fit it. There is no cost to apply and no credit pull at inquiry.
A short-term loan, typically interest-only, that finances a purchase, improvement or transition until the property is sold or refinanced into permanent financing.
Multifamily, retail, office, industrial, hospitality, student housing, mixed-use, self-storage and investor-owned residential portfolios.
It depends on the program and how complete the file is. Tell us your deadline when you apply and we route to lenders that can meet it.
Yes. A short written plan with scope, budget, timeline and exit is the single most useful document in a bridge file.