Accelerate acquisitions, fund repositioning, and close value-add deals with bridge financing from $5M to $100M+. Fast approvals, flexible terms, and non-recourse options available.
A commercial bridge loan is short-term, asset-based financing designed to bridge the gap between acquiring a property and securing permanent financing. It's the solution for investors and developers who need capital quickly while they execute their business plan.
Bridge loans are ideal for time-sensitive acquisitions, properties requiring immediate repositioning or value-add work, and situations where traditional lenders move too slowly. With bridge financing, you get speed of execution, certainty of close, and flexibility in underwriting that traditional permanent lenders simply can't match.
At Banyan Commercial Capital, we structure bridge loans with transparent pricing, clear exit strategies, and capital partners who specialize in commercial real estate. Whether you need 12 months to stabilize a property, 24 months to execute a repositioning, or flexibility to hold and refinance into a permanent loan, we have the right structure for your deal.
Specialized bridge financing structures for every acquisition and value-add scenario
Close quickly on off-market opportunities, competitive bids, and portfolio acquisitions. Our acquisition bridge loans eliminate contingencies and get you to the finish line faster than traditional financing.
Finance repositioning, renovations, and value-add strategies while you execute your business plan. Bridge capital that adapts to your timeline and construction schedule.
Asset-based financing without personal guarantees. Perfect for institutional sponsors and experienced operators who want to limit personal liability while securing bridge capital.
Finance newly constructed or recently repositioned assets during the lease-up and stabilization phase. Bridge capital that bridges to permanent financing as occupancy stabilizes.
We've structured hundreds of bridge loans across every commercial property type and market condition. You get experienced advisors, proven capital relationships, and financing that actually closes.
Standard parameters for our bridge financing programs
| Parameter | Range / Details |
|---|---|
| Loan Amount | $5,000,000 – $100,000,000+ |
| Loan-to-Value (LTV) | Up to 85% (varies by property type and leverage) |
| Loan Term | 12–36 months (with extension options available) |
| Interest Rate | Floating (typically SOFR + 250–400 bps depending on structure) |
| Closing Timeline | 2–4 weeks (depending on property type and due diligence) |
| Property Types | All commercial real estate (apartments, office, retail, industrial, hospitality, mixed-use, land, horizontal development, etc.) |
| Recourse Options | Recourse, non-recourse, and carved-out options available |
| Payment Terms | Interest-only or amortizing (P&I); flexible per structure |
| Origination & Fees | 1–3% origination + application, appraisal, legal, and underwriting fees |
| Use of Proceeds | Acquisitions, refinances, construction, repositioning, stabilization |
| Geographic Focus | Florida-based but nationwide reach |
Commercial bridge loans typically close in 2-4 weeks. Our streamlined underwriting and direct capital partnerships enable fast approvals without sacrificing thorough due diligence, giving you certainty of close when speed matters most.
Most bridge lenders prefer loan amounts of $1M or larger, with a sweet spot of $5M-$50M. At this size, you get competitive pricing, experienced underwriters, and significant certainty of close. Larger deals ($50M+) may have even better execution.
Both are available. Recourse loans carry personal guarantees but typically offer slightly better pricing. Non-recourse bridge loans are secured solely by the property, perfect for institutional sponsors who want to limit personal liability—they come at a modestly higher rate.
Bridge loan rates typically range from 7% to 10%, depending on property type, loan-to-value, leverage, sponsor experience, and deal structure. Floating rates (SOFR + spread) are common, with rates that adjust with market conditions. We work to secure the best available pricing for your deal.
Yes. Lenders require a clear plan for how you'll repay the loan—typically a permanent loan takeout, a sale, or a refinance. This exit strategy is built into the loan structure from day one, ensuring alignment between your business plan and the lender's expectations.
Yes, but construction bridge loans have different terms than standard acquisition or value-add bridges. They typically carry construction-period interest-only payments, may have different rate adjustments, and require detailed construction schedules and completion timelines. We specialize in both and can advise on the best structure for your project.
Let's structure the right bridge financing for your acquisition, repositioning, or value-add opportunity. Fast approvals, proven capital, and advisors who understand your business.