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Commercial bridge & private money

When does a commercial bridge or hard money loan make sense?

A business-purpose bridge loan can help when timing, property condition, documentation, or transaction complexity prevents immediate permanent financing. The loan should solve today’s need while preserving a realistic exit.

Answers before an application

The questions investors ask before they move forward.

01

How quickly can a commercial bridge loan close?

Select commercial bridge programs may close in as little as five days on qualifying transactions when the borrower, title, valuation, insurance, documentation, and lender process are ready. Many scenarios require longer.

02

Can I get hard money without traditional income documentation?

Select business-purpose, asset-based programs may not require W-2 or tax-return qualification. Lenders still evaluate credit, experience, equity, property value, project plan, and the proposed exit.

03

How much leverage can a bridge lender provide?

Available LTV and LTC depend on the property, current condition, purchase or refinance basis, improvement budget, borrower strength, and exit. Higher leverage can involve higher pricing or tighter requirements.

04

Can bridge financing be used for a purchase or refinance?

Yes. Commercial bridge loans may support acquisitions, refinances, cash-out, renovations, construction completion, recapitalization, or payoff of maturing debt.

05

What is a strong bridge-loan exit strategy?

Common potential exits include SBA, DSCR, conventional permanent financing, a stabilized-property refinance, or sale. The appropriate exit must be realistic for the property and borrower and is never guaranteed.

Your scenario

Tell us the deadline, the property, and the exit. We’ll evaluate the bridge.

Start with a few questions