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Bridge Loans

Short-term financing to bridge the gap to permanent capital

Commercial bridge loans provide short-term financing (typically 6-36 months) to acquire, renovate, or stabilize a property before securing permanent financing or selling. They close fast and offer flexibility that traditional loans can't match.

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Loan Range
$250K – $50M
Typical Rate
8% - 12%
Down Payment
20-30%
Term
6-36 months
Closing Time
1-3 weeks

🎯 Best For

  • Value-add acquisitions
  • Renovations before refinance
  • Properties not yet stabilized
  • Time-sensitive deals

✅ Advantages

  • Extremely fast closing
  • Flexible underwriting
  • Interest-only payments
  • Finance properties conventional lenders won't touch

⚠️ Considerations

  • Higher interest rates
  • Short term requires exit strategy
  • Origination fees (1-3 points)
  • Prepayment penalties possible

Bridge Loan Requirements

  • Clear exit strategy (refinance or sale)
  • Sufficient equity or down payment
  • Property with upside potential
  • Borrower experience (preferred)

Top Bridge Lenders

43 lenders offer bridge loans nationwide.

PNC Bank, National Association

SBA Verified

WILMINGTON, DE

One of the largest U.S. banks, offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and comprehensive treasury management. Full-service business banking across the eastern United States.

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Truist Bank

SBA Verified

Charlotte, NC

One of the top 10 U.S. banks formed by the BB&T and SunTrust merger. Offers SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and comprehensive business banking nationwide.

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Acore Capital

New York, NY

Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.

Nationwide
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Anchor Loans

Thousand Oaks, CA

One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.

$100K – $10M Nationwide
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Arbor Realty Trust

Uniondale, NY

Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.

$1M – $100M Nationwide
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Berkadia

Ambler, PA

Joint venture of Berkshire Hathaway and Jefferies. Commercial mortgage banking, investment sales, and servicing.

Nationwide
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Broadmark Realty Capital

Seattle, WA

Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.

Nationwide
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CBRE Capital Markets

Dallas, TX

Global CRE services and capital markets. Arranges debt and equity for all commercial property types.

Nationwide
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Bridge Loans FAQ

What's the difference between a bridge loan and hard money?
They overlap significantly. Bridge loans tend to be slightly more institutional, with lower rates and higher minimums. Hard money is often from private individuals, more flexible but more expensive. The terms are sometimes used interchangeably.
When should I use a bridge loan?
When you need to close fast, when the property doesn't qualify for permanent financing yet (unstabilized, needs renovation), or when you need short-term capital while arranging long-term financing.

Are you a lender offering bridge loans?

Aloan helps commercial lenders underwrite Bridge deals faster with AI-powered analysis. Reduce turnaround from weeks to minutes.

Exploring loan origination systems? Browse the LOS Directory.

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