Bridge Loans in Rochester, NY
Find lenders offering bridge loans in the Rochester, including Irondequoit, Greece, Brighton, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
Bridge Lenders Serving Rochester
42 lenders offering bridge loans in the Rochester, NY area.
Acore Capital
LocalNew York, NY
Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.
Arbor Realty Trust
LocalUniondale, NY
Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.
Greystone
LocalNew York, NY
Full-service commercial real estate lending platform. Agency, bridge, mezzanine, and permanent financing. Top Freddie Mac and FHA lender.
Lument
LocalNew York, NY
Commercial real estate lender and asset manager. Freddie Mac, Fannie Mae, and FHA/HUD multifamily lending. Also offers bridge and permanent financing.
Newmark
LocalNew York, NY
Major CRE advisory firm offering debt and structured finance, investment sales, and capital markets services.
Ready Capital
LocalNew York, NY
Nationwide commercial lender offering bridge, permanent, and SBA loans. Specializes in small to mid-balance CRE loans ($1M-$35M).
Roc Capital
LocalNew York, NY
Originated $15B+ in loans. Bridge and DSCR rental loans for real estate investors. Known for speed and scale.
Truist Bank
SBACharlotte, 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.
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.
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.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
Rochester Commercial Real Estate Market
Rochester's CRE market reflects its transition from a legacy optics and imaging economy built by Kodak and Xerox to a diversified base anchored by healthcare, higher education, and advanced manufacturing. The University of Rochester and Rochester Institute of Technology collectively employ over 30,000 people and generate demand for office, R&D, and student housing properties in the university corridors. The downtown core along Main Street and East Avenue has attracted adaptive reuse projects, converting former industrial and office buildings into mixed-use developments, though office vacancy remains elevated in older Class B stock. The High Falls and Neighborhood of the Arts districts have emerged as creative economy nodes, while the suburban corridors in Henrietta and Victor along I-90 capture retail and flex-space demand.
Key Economic Drivers
- ●University of Rochester Medical Center, the region's largest employer, driving sustained medical office and research facility demand
- ●Rochester Institute of Technology's National Technical Institute and imaging science programs feeding a specialized tech workforce
- ●L3Harris Technologies and other optics and photonics companies maintaining Rochester's advanced manufacturing base
- ●Wegmans Food Markets headquarters in Gates supporting retail and distribution operations
Market Insight
Rochester's Finger Lakes Forward economic development initiative has directed state funding toward the photonics and optics cluster, with the American Institute for Manufacturing Integrated Photonics (AIM Photonics) headquartered at the Eastman Business Park, creating specialized industrial and lab space demand.
Bridge Loans in Rochester, New York
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. In the Rochester metro area, borrowers can access 42 lenders offering Bridge financing, including Irondequoit, Greece, Brighton, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 8% - 12%.
Who Should Consider Bridge Loans?
- Value-add acquisitions
- Renovations before refinance
- Properties not yet stabilized
- Time-sensitive deals
Key Requirements
- Clear exit strategy (refinance or sale)
- Sufficient equity or down payment
- Property with upside potential
- Borrower experience (preferred)
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
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