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Commercial real estate
Commercial Bridge Loans
Short-term financing for acquisitions, renovations, and repositioning. Close in 2-3 weeks, interest-only payments, flexible exit strategies.
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65-75%
Max LTV
12-36mo
Loan Term
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7.5-13%
Interest Rates
2-3wks
Close Time
Overview
Common Bridge Loan Use Cases
When and why investors use bridge financing
Quick Property Acquisition
Need to close on a property in 14-30 days before permanent financing is ready
Rate
7.50% - 10.00%
Term
12-24 months
Timeline
2-3 weeks to close
6-18 months to permanent loan
Exit
Refinance
Example Scenario:
Off-market multifamily deal requires all-cash offer. Bridge loan allows quick close, then refinance to agency loan after 6 months.
Value-Add Renovation
Property needs significant improvements before qualifying for permanent financing
Rate
8.00% - 11.00%
Term
12-36 months
Timeline
2-4 weeks to close,
12-24 months renovation
Exit
Refinance
Example Scenario:
Class C apartment building at 65% occupancy. Renovate units, raise rents, increase to 90% occupancy, then refinance.
Lease-Up Financing
Property is vacant or under-occupied and cannot qualify for permanent loan yet
Rate
8.50% - 11.50%
Term
18-36 months
Timeline
3-4 weeks to close,
12-24 months lease-up
Exit
Refinance
Example Scenario:
Newly constructed office building with no tenants. Bridge loan funds acquisition, covers debt service during lease-up to 85% occupancy.
Cash-Out Recapitalization
Extract equity from stabilized property for another investment or business need
Rate
7.50% - 9.50%
Term
12-24 months
Timeline
2-3 weeks to close,
refinance when permanent rates improve
Exit
Refinance
Example Scenario:
Own property free-and-clear worth $5M. Bridge loan $3.5M (70% LTV), use proceeds for down payment on second property.
Loan Maturity Extension
Existing loan maturing, need time to improve property performance or wait for better permanent rates
Rate
8.00% - 12.00%
Term
12-24 months
Timeline
2-3 weeks to close,
12-18 months to improve property
Exit
Refinance
Example Scenario:
CMBS loan maturing with $3M balloon payment. Property DSCR only 1.15x. Bridge loan pays off maturing loan, gives time to raise rents and improve DSCR.
Construction Bridge/Gap
Construction loan ending but project not stabilized enough for permanent loan
Rate
8.50% - 12.00%
Term
12-36 months
Timeline
2-4 weeks to close,
6-18 months to stabilization
Exit
Refinance
Example Scenario:
New apartment building complete but only 60% leased. Construction lender wants exit. Bridge loan provides 6-12 more months to reach 85% occupancy.
Bridge Loan Planning
Exit Strategies
How borrowers successfully exit bridge loans
Timeline
12-24 months
Requirements
4 items
Property stabilized
DSCR 1.25x+
Occupancy 80-85%+
Credit 680+
Timeline
12-36 months
Requirements
4 items
Renovations complete
Property stabilized
Market conditions favorable
Buyer secured
Timeline
+6-12 months
Requirements
4 items
Lender approval
Extension fee (0.5-1%)
Property performing
Clear exit plan
Timeline
12-24 months
Requirements
4 items
Increased NOI
Higher appraised value
DSCR 1.30x+
LTV ≤75%
Borrower Requirements
Qualification Criteria
Bridge loans are underwritten based on credit strength, real estate experience, and leverage. Understanding these core qualification benchmarks helps set realistic expectations before applying.
Common Questions
Frequently asked questions
Get answers to the most common questions about our financing platform and process.
Clear answers before you apply. No credit impact during pre-screening.
What types of businesses qualify for financing?
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We facilitate financing for businesses across all major industries and business structures. Qualification criteria vary by lender and product type, but generally include minimum revenue thresholds, time in business, and creditworthiness standards. Our advisors assess your specific situation to identify appropriate financing options.
What is the typical timeline from application to funding?
Preliminary decisions are typically delivered within 24 hours of completed application submission. Final approval and funding timelines vary by product type and lender requirements. Alternative financing products often fund within 3-7 business days, while SBA loans typically require 2-4 weeks due to government underwriting processes.
What credit profile is required for approval?
Credit requirements vary significantly by lender and product type. Traditional bank products typically require personal credit scores of 680 or higher, while alternative lending partners may approve businesses with scores as low as 600. We evaluate your complete financial profile to identify lenders aligned with your credit standing.
What fees does BestLoanUSA charge?
BestLoanUSA does not charge upfront application fees or consultation fees. Any fees associated with specific loan products are charged directly by the lending institution and are fully disclosed prior to loan acceptance. We maintain complete transparency regarding all costs throughout the process.
How do bank and non-bank lenders differ?
Traditional banks typically offer lower interest rates but maintain stricter qualification criteria and longer approval timelines. Non-bank lenders provide faster decisions with more flexible underwriting but may charge higher rates. Our platform provides access to both, allowing you to evaluate the full spectrum of available options.
What are the borrowing limits?
Available capital ranges from $10,000 to $10 million or more, depending on product type, business financial strength, and lender criteria. During the application review process, our advisors help determine appropriate loan amounts based on your stated needs and qualification parameters.
Ready to Get Started?
Access the capital your business needs
Comprehensive financing solutions backed by expert advisory guidance. One application, multiple lender options, transparent terms.
Secure & confidential
No credit impact
Advisor-led process
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