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Commercial Bridge Loans

Short Term Bridge Loans

Fast, asset-based financing to buy, refinance or reposition commercial real estate. Close in days, then move to permanent financing once the property is ready.

Loan amount$100MUp to, from $50K
Loan-to-value80%Up to, on select property types
Closing5 daysAs few as, on select programs
Term5 yrsUp to, interest only
Eligible properties

Bridge financing for nearly every commercial asset

We shop your deal across a network of commercial bridge lenders, from local Texas lenders to national funds, so one application reaches the programs that fit your property and your timeline.

Multifamily

Apartments from 5 units up, including value-add and lease-up.

Retail and mixed-use

Shopping centers, NNN retail and storefronts with apartments or offices above.

Office and medical

Office buildings, office condos and medical office.

Industrial and storage

Warehouse, flex, light industrial and self-storage.

Hospitality

Hotels and motels, flagged or independent, including PIPs and reflags.

Land and special use

Land, churches, car washes, day care and other special-purpose properties.

Program terms

Commercial bridge loan terms

The best terms available across our lending partners. Leverage depends on the property type, its condition and your business plan.

Loan amount
$50,000 – $100,000,000+
Loan-to-value
Up to 80% on select property types; most programs 65% to 75%
Value-add
Up to 80–90% of cost plus up to 100% of renovation and capital improvements
Note-on-note
$5,000,000 – $75,000,000 secured by performing or non-performing notes; 2-year term plus extensions; non-recourse
Minimum credit score
None with select asset-based lenders
Term
6 months to 5 years, interest only; extensions available
Closing
As few as 3 to 5 business days on select programs
Prepayment
No prepayment penalty on many programs
Interest reserves
Available
Recourse
Recourse and non-recourse options
Loan purpose
Acquisition, refinance, cash-out, value-add, lease-up and maturing loans
Markets
Texas and nationwide
Borrower
LLC, corporation or partnership; asset-based underwriting with limited income documentation
How it works

From deal to funding in days

Send us the deal

Share the property, price or payoff, current income, your business plan and your exit.

Get a term sheet

We compare programs across our lending partners. Many deals get a term sheet within 24 to 48 hours.

Close and execute

Close quickly, carry out your plan, then refinance into long-term financing or sell.

What you'll need

Documents checklist

  • Driver's license for each guarantor
  • Entity documents (articles, operating or partnership agreement, EIN letter)
  • Purchase contract, or the current loan payoff on a refinance
  • Rent roll and trailing 12-month operating statement, if income producing
  • Business plan, renovation budget and exit strategy
  • Schedule of real estate owned
  • Recent bank statements showing liquidity
  • Property insurance quote
Example

Bridge to permanent financing

Buy and improve with a bridge loan, then refinance once the property is leased up at a higher value.

Bridge now, permanent loan after stabilization
Purchase $2,000,000 × 75%$1,500,000 Renovation $300,000 × 100%$300,000 Bridge loan (78% of cost)$1,800,000 Permanent loan: 70% of $2,800,000 value$1,960,000 Pays off bridge, plus before costs$160,000

Illustration only. Leverage varies by lender, property type and business plan.

Common questions

Commercial bridge FAQ

When does a bridge loan make sense?

When a bank can't close fast enough, or the property doesn't qualify for permanent financing yet: vacancy, renovation, a maturing loan, or a deal with a tight deadline.

Do I need a minimum credit score?

Not always. Several of our lending partners are asset-based and focus on the property's value and your equity rather than a credit score.

How fast can a bridge loan close?

Some programs close in 3 to 5 business days once title and documents are in. Larger loans usually take 2 to 4 weeks.

What happens at the end of the term?

Most borrowers refinance into long-term financing or sell. Many programs offer extensions if the plan takes longer.

Do you lend on owner-occupied commercial property?

Yes, on select programs, for business purposes. Bridge loans are not available for a home you live in.

Need to close quickly?

Send us the deal. We'll bring back bridge terms that fit your timeline.

Get Started

Terms shown are the best available across Capital Lending Group's lending partners as of October 2026 and change without notice. Not every borrower or property qualifies for every term. Loan amounts, leverage, closing times, recourse and eligibility vary by lender, property type, market, experience and state. Business-purpose loans only. All loans are subject to lender review and approval.