Who typically uses bridge loans?

Private Commercial Real Estate Bridge Loans are frequently used by developers, business owners, and commercial investors who require immediate, short-term cash to buy, restore, or stabilize a property before obtaining long-term financing. These loans are particularly well-liked in highly competitive markets where the ability to close quickly gives purchasers a significant edge.

How much are closing costs on a bridge loan?

Borrowers should typically expect to pay between 2% and 4% of the loan amount, while closing costs vary by lender and project size. These costs could include origination fees, appraisal and underwriting fees, legal fees, and other typical bridge financing processing fees.

Are commercial bridge loans good for long-term financing?

No. Commercial real estate bridge loans are suitable for temporary financing requirements. They typically last for 12 to 36 months. When in doubt, contact us and our mortgage loan consultants will help you understand if this type of financing is appropriate for your case. Otherwise, we can recommend other sources of funding that will fit your unique situation.

What are the interest rates on CRE bridge loans?

A bridge loan typically comes with lower interest rates than a commercial hard money loan but is still more expensive than a bank loan. It may be ideal for you if you cannot secure funds from traditional lenders at the moment, or if you simply require a short-term loan.

Is bridge financing the same as a hard money loan?

No. Both are asset-based, which means that the loan is largely influenced by the collateral. However, bridge loans are approved faster.

Commercial Real Estate Bridge Loan Financing

Commercial real estate bridge loans are a financial tool for CRE investors who need more money upfront but don’t have permanent financing yet. We being the direct lender help you get the loan within 14 days.

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800+

Loans

250+

Clients

$10B+

Funded Loans

Commercial Bridge Loans

The ‘bridge’ name comes from how these instruments can help smooth out cash flow during difficult times by providing quick access to liquidity without having any serious consequences.

Bridge loans are widely used for repositioning, value-add, or rehabilitation opportunities. It’s important to secure this financing from trusted commercial real estate bridge loan lenders so you can get the best rates and terms.

Commercial real estate bridge loans can help investors prevent liquidity issues. They are perfect for vacant buildings, special purpose properties and major rehabs. Private Capital Investors, being a direct commercial real estate bridge loan lenders can allocate funds quick and fast.

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Loan upto $50 million

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Loan term ranging from 1 to 3 years

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1.25 at exit with appropriate in-place DSCR

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Maximum LTV: 85%

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Interest Rate as low as 5.99%

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First mortgage lien on the subject property as securtiy

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Tax & Insurance Escrows: monthly

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Replacement Reserves: monthly

Standard Requirements

Property address + property type
Purchase price (or current value) and requested loan amount
Your timeline to close
Current rent roll (if the property has tenants)
Quick income/expense summary
Business plan
Exit plan (refi/sale) + target timing
Recent bank statement(s) showing funds to close/reserves

Standard Closing Costs

2% to 4% of the loan amount

Eligible Transaction Types

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Opportunity purchases

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Quick closings

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Non-stabilized properties

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Foreign nationals

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Non-cash flowing properties

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Foreclosure purchases

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Traditional acquisitions

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Acquisitions with rehab component

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Acquisitions with completed new construction

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Debt buy-backs with fresh equity

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Properties in lease-up in strong markets

Eligible Property Types

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Multi-Family

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Office

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Retail

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Luxury Residential

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Urban Land

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Self-Storage

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Light Industrial

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Hospitality

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Development

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Mixed-use property

Our Recent Closings

Refinance 2800 Farm

Fergus County, MT | $8,700,000

Office/Industrial

Leander TX | $7,200,000

Light Industrial Warehouse

Dallas TX | $7,500,000

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Areas We Serve

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Why choose Private
Capital Investors?

We are one of the trusted direct commercial real estate bridge loan lenders.

Our team of experienced CRE professionals will analyze your financing needs, so you can make informed choices.

We can help you acquire bridge financing in different cities and states, such as Miami, Florida, Denver, Massachusetts, Phoenix, and Texas.

Our loan offers:

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Rates as low as 5.99%

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Nationwide Lending

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24 – 48 Hours Approvals

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Funding as little as 14 days

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Stated Incomes, No Financials required

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Excellent Customer Service

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Common Sense Underwriting

When Might You Need a Bridge Loan?

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Buy quickly before another buyer wins the deal.

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Hold a property that is not yet fully leased.

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Renovate or reposition.

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Acquire distressed or poorly managed CRE.

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Refinance as a previous loan expires.

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Pull cash out to reinvest elsewhere.

Why Choose a Private Lender vs. a Bank for CRE Bridge Loans?

What is a Bridge Loan & How Does It Work?

A bridge loan is short-term financing that covers the gap until you lock in permanent debt or sell/refinance the property.

In CRE, it’s commonly asset-based, with the lender sizing the loan around value, equity, and the exit plan, then you repay with a sale or takeout refinance.

Most bridge loans run 6 months to ~3 years, often with interest-only payments and a balloon payoff at maturity.

Benefits of Bridge Loan for Commercial Properties

Speed when a seller’s deadline won’t wait for bank timelines
Works during transition
Flexible: Stabilize first, then refinance into longer-term debt

Types of Commercial Bridge Loans for Investment Properties

Acquisition Bridge Loan so you can buy now, refinance later once stabilized
Refinance Bridge Loan so you can replace a maturing loan and buy time to execute a plan
Value-add/Rehab Bridge Loans so you can fund improvements and lease-up

How to qualify for a commercial bridge loan

Prepare:
- Enough equity (~65–80% LTV, sometimes higher on strong deals)
- Exit plan with a realistic timeline

Bridge Loan Interest Rates & Terms

Interest rate: as low as 5.99%
Loan term: 1 to 3 years
Maximum LTV: 85%
Loan size: up to $50 million

Check Our CRE Bridge Lending Blogs

Pros and Cons of Commercial Bridge Loans

Pros and Cons of Using Bridge Loans for Commercial Property Investment [ninja_tables...

Bridge Loan Explained: Fast Financing for Commercial Real Estate Investors

Most CRE investors have experienced this situation: You’ve got a deal in front of you but your...

4 Key Factors Commercial Investors Should Consider Before Opting for a Bridge Loan

Commercial real estate moves fast — and CRE investors don’t always have time to wait on...

Check Our Blogs

Frequently Asked Questions

Who is a CRE bridge lender?

A bridge lender in the CRE space gives short-term loans backed by commercial real estate, with the expectation that the loan will be repaid soon, usually through selling the property or refinancing with a long-term loan.

Is it hard to get a bridge loan to buy a commercial property?

Usually easier than a bank loan on a transitional asset. But you still need equity and a believable exit plan.

Who qualifies for a bridge loan?

Borrowers with sufficient equity and a workable plan to stabilize/improve the asset

Do I need a down payment for a bridge loan?

On purchases, typically yes — bridge lenders rarely finance 100% of the price. Common leverage is often around 65–80% LTV.

What is the current interest rate for a bridge loan?

There isn’t one single “current” rate. Rates change based on how much you’re borrowing (leverage) and the state of the property (stabilized or not). It can also change based on how risky your exit plan is.