Bridge Loans: Fast Capital for Commercial Real Estate Transitions
Bridge loans provide short-term financing for commercial property acquisitions, repositioning, or refinancing when permanent financing is not yet available. PeerSense connects you with bridge lenders who close quickly and understand your timeline.
What Are Bridge Loans?
Bridge loans are short-term financing designed to move fast on time-sensitive opportunities. They "bridge" the gap between immediate capital needs and permanent financing, allowing you to close deals that conventional lenders can't accommodate on your timeline.
Speed
Close in 2–4 weeks from full submission. When you need to move faster than banks or SBA can accommodate, bridge financing delivers.
Transition
Perfect for properties in transition — construction completion, lease-up, repositioning, or stabilization before permanent financing.
Flexibility
No prepayment penalty options available. Foreign national borrowers accepted on select programs. Multiple exit strategies supported.
When You Need a Bridge Loan
Bridge loans solve timing problems that conventional financing can't accommodate. Here are the most common scenarios:
Time-Sensitive Acquisition
Seller needs to close in 30 days. Your bank needs 90. Bridge financing gets you to the table.
Existing Lender Too Slow
Your permanent lender is committed but can't close on your timeline. Bridge now, refinance later.
Property in Transition
Lease-up, repositioning, or value-add projects that don't qualify for permanent financing yet.
Construction Completion
Project is 80% complete but construction lender won't extend. Bridge to completion and stabilization.
Buy Before You Sell
Found the perfect property but haven't sold your current one. Bridge lets you move without waiting.
Competitive Offer Advantage
All-cash equivalent offers win deals. Bridge financing gives you that competitive edge.
Loan Details
Bridge loans are priced for speed and flexibility. Here's what to expect:
Flexible sizing based on property value and deal structure
Typically 8–12% depending on deal quality and lender
Short-term financing with flexible exit strategies
From full submission to funding — significantly faster than conventional
Commercial real estate, mixed-use, and land on select programs
Exit early without penalty on select programs
Foreign National Borrowers Accepted
Select bridge loan programs accept foreign national borrowers for U.S. commercial real estate acquisitions. International investors can access the same speed and flexibility as domestic borrowers.
Property Types Covered
Bridge financing is available across all major commercial real estate asset classes
Office
Retail
Industrial
Multifamily
Hospitality
Self-Storage
Land
Mixed-Use
Bridge to What?
Bridge loans are designed with an exit strategy in mind. Here are the most common transition scenarios:
Bridge to Permanent CMBS or Conventional
Most common exit: refinance into long-term fixed-rate financing once property is stabilized and meets conventional underwriting standards.
Bridge to SBA 504 After Stabilization
For owner-occupied commercial real estate, bridge to acquisition then refinance into SBA 504 for long-term fixed rates and minimal equity requirements.
Bridge to Sale
Complete value-add improvements, stabilize occupancy, then sell at a higher valuation. Bridge financing funds the transition period.
Bridge to Construction Completion
Finish construction or renovation, achieve certificate of occupancy and stabilized cash flow, then refinance into permanent financing.
Multiple Exit Paths
The best bridge loans are structured with flexibility in mind. PeerSense works with lenders who understand that exit strategies can evolve as market conditions change. No prepayment penalty options ensure you're not locked in if your permanent financing comes through early.
Not sure which loan is right for you?
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Frequently Asked Questions
Need Bridge Financing? Let's Talk.
PeerSense connects you with bridge lenders who understand your timeline and close quickly. One conversation. Direct introduction.