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.
Find Bridge Lenders →When is a bridge loan really just hard money with a cleaner term sheet?
At smaller deal sizes, the labels blur fast. A 12-month rehab loan from a private lender can behave a lot like hard money even if the lender calls it bridge. Before you pay for appraisal, legal, or third-party reports, read our bridge vs. hard money guide. The right comparison is rate, points, leverage, draw timing, extension language, and how believable your exit plan looks to the lender.
If you are buying a property that will eventually move into DSCR financing, underwrite that refinance from day one. The refreshed bridge-to-DSCR guide walks through the takeout issues borrowers miss most often: seasoning, appraisal rent support, rate-lock timing, and cash-out limits.
For larger transitional deals, the real choice is sometimes bridge plus mezzanine versus a lower-leverage bridge-only structure. If the senior bridge quote stops short, compare the cost of an extra equity check with the tradeoffs on the mezzanine loans overview before you assume more leverage is worth it.
🎯 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
What are the requirements for Bridge loans?
- ✓ Clear exit strategy (refinance or sale)
- ✓ Sufficient equity or down payment
- ✓ Property with upside potential
- ✓ Borrower experience (preferred)
Who are the top Bridge lenders?
43 lenders offer bridge loans nationwide.
PNC Bank, National Association
SBA VerifiedWILMINGTON, 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.
Truist Bank
SBA VerifiedCharlotte, 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.
Acore Capital
New York, NY
Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.
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.
Arbor Realty Trust
Uniondale, NY
Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.
Berkadia
Ambler, PA
Joint venture of Berkshire Hathaway and Jefferies. Commercial mortgage banking, investment sales, and servicing.
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+.
CBRE Capital Markets
Dallas, TX
Global CRE services and capital markets. Arranges debt and equity for all commercial property types.
Frequently asked questions about bridge loans
What's the difference between a bridge loan and hard money? ▼
When should I use a bridge loan? ▼
Guides & resources
Bridge vs. Hard Money Loans
What's actually different between these two.
GuideBridge-to-DSCR Refinance Strategy
How to plan the DSCR exit before the bridge clock starts running.
GuideCommercial Bridge Loan Rates and Fees in 2026
Decode SOFR spreads, points, extension fees, reserves, and the hidden carry costs in a bridge quote.
Are you a lender offering bridge loans?
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