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Bridge Loans

What is a Bridge Loan?

A bridge loan is a short-term financing solution that fills the gap between the termination of one loan and the beginning of another. It is often used when a borrower needs more time before securing long-term financing.
Bridge loans are typically:
  • Faster to obtain than conventional loans
  • Designed for special needs and unique circumstances
  • More expensive than traditional financing due to their short-term nature

Bridge Loan Features

Our lenders focus on quality properties and sponsors — including owner-users, investors, and corporate entities — who need solutions for acquisitions, rate and term adjustments, commercial refinances, or cash-out needs.
We customize every transaction and leverage strategic alliances with a large funding base to secure multi-million-dollar loans, upward of $500M. Most lenders underwrite and make loan decisions in-house, ensuring flexibility and fast funding.

  • Loan Size: $1M minimum in the U.S., $5M to $500M internationally

  • Rates: 8% – 16%

  • Broker Points: 2 to 5 pts

  • Collateral: Any commercial real estate considered

  • Closing Time: As little as 2 weeks

  • Loan-to-Value (LTV): Up to 70%

  • Payments: Interest Only

  • Loan Term: 6 to 36 months

  • No upfront application fees

  • Equity participation structured financing available

Hard Money Loans

What is a Hard Money Loan?

Hard money loans are a financing option for businesses and individuals who may not qualify with traditional banks or lending sources. These loans come from private lenders who focus on the value of the collateral property rather than credit history or financial background.
Advantages of Hard Money Loans:
  • Funding available in as little as 10 to 14 business days (vs. 60+ days for traditional loans)
  • Minimal documentation — credit reports and extensive paperwork often not required
  • Flexible, streamlined process
  • Ideal for borrowers with immediate needs or financial challenges
Because of the risk involved, interest rates are higher than traditional loans. However, they provide resources and flexibility when time is critical.

Hard Money Loan Features

  • Loan Size: $1M minimum in the U.S., $5M to $500M internationally

  • Rates: 9% – 16%

  • Terms: 12 to 60 months

  • LTV: Up to 65%

  • Broker Fees: 2 to 5 pts

  • Collateral: Almost any type of commercial property

  • Recourse: Most loans are recourse; non-recourse options available

Typical Bridge & Hard Money Loan Terms

  • Loan Amount: $1M to $500M

  • Project Types: All commercial property types considered

  • Geography: Continental U.S. and International

  • Collateral: First mortgage on subject property

  • Rates: 8% – 16%

  • LTV: 50% – 70%

  • Term: 1 to 3 years (interest-only)

  • Estimated Closing: 10 to 15 business days

  • Expense Deposit: Required

Requirements

  • Executive Summary

  • Business Loan Application

  • Borrower’s Authorization

  • Personal Financial Statement

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