Acquisition timing pressure
Move on a purchase opportunity while long-term financing, operating milestones, or ownership plans are still being finalized.
Bridge Lending Program
Commercial bridge lending for assets and markets in transition.
BLC provides near-term commercial real estate financing for borrowers who need flexibility around acquisition timing, maturing debt, refinance strategy, stabilization, or changing market conditions before committing to permanent debt.
$2M–$20M1st TD / mortgage loan amount
75%Maximum loan-to-value
12–36Month interest-only structures
USANationwide commercial lending
Institutional rigor. Tailored financing.
Bridge capital can be a strategy window, not just temporary debt.
Some bridge loans solve a property-level transition. Others give sophisticated borrowers time to assess rates, cap rates, submarket changes, or a future sale before locking into a long-term financing structure.
BLC evaluates the real estate, borrower profile, cost basis, requested structure, and exit strategy so the loan is built around the actual transaction — not a generic bank box.
Common bridge loan scenarios
When timing, transition, or market conditions make permanent financing impractical.
The Bridge Lending Program is designed for commercial real estate borrowers who need a near-term solution before the asset, borrower plan, or market environment is ready for permanent execution.
Maturing debt or balloon payment
Give the asset more time when existing debt is coming due and a permanent loan is not yet available or not the best option.
Refinance or cash-out refinance
Restructure debt, access equity, or solve a capital-stack problem while preserving a clear future financing path.
Stabilization and lease-up strategies
Support properties with a defined business plan, including lease-up, stabilization, tenant transition, or light value-add execution.
Near-term market flexibility
Use short-term debt while rates, cap rates, property values, or submarket dynamics continue to move before committing to long-term debt.
Special-use collateral
Consider complex commercial property types when the collateral, borrower strength, cost basis, and exit strategy support the loan.
Program terms
A clear bridge lending snapshot for commercial real estate borrowers.
Use this snapshot to quickly understand the core bridge loan parameters before starting a deeper conversation with the BLC team.
Bridge loans are short-term solutions. BLC evaluates the current asset, the requested structure, the borrower’s cost basis, and the credible next capital event.
Loan Amount1st TD / mortgage up to $20,000,000
MaturityUp to 36 months
AmortizationInterest only
Maximum LTVUp to 75%
Use of ProceedsPurchase, refinance, cash-out refinance
Eligible UseOwner-occupied, investor, and multifamily 5+ units
Rate / FeesFixed and adjustable rates available; minimum 1% loan fee
Credit / UnderwritingMinimum FICO generally 620; stabilization, lease-up, and ownership restructuring reviewed
Collateral coverage
Eligible property types
- Warehouse
- Office
- Industrial
- Medical
- Flex
- Office condo
- Retail
- Restaurant
- Multifamily 5+ units
- Hospitality
Special-use examples
Complex assets considered
- Gas stations
- Self-storage
- Cold storage
- Funeral homes
- Bowling alleys
- Senior housing
- Surgery centers
- Auto repair
- Car dealerships
- Wineries
Recent case studies
Transaction experience across asset types and markets.
Recent case studies show how BLC has structured bridge loans across different properties, geographies, and borrower objectives.
Loading recent bridge loan case studies…
Execution process
A direct path from scenario review to closing.
Share the scenario
Provide the property type, location, requested loan amount, cost basis, timing, borrower context, and intended exit strategy.
BLC reviews the collateral
The team evaluates the property, business plan, loan purpose, borrower profile, guarantees, and path forward.
Structure and execute
Qualified borrowers receive clear next-step guidance so the transaction can move with appropriate speed and discipline.
Discuss financing
Have a bridge loan scenario ready for review?
Contact BLC with the loan request, collateral details, cost basis, timing, and exit strategy. The goal is a focused conversation about whether a bridge structure fits the transaction.
Bridge lending FAQs
Key borrower questions.
What is a bridge loan?
A bridge loan is short-term real estate financing used to solve a current capital need while the borrower works toward a refinance, sale, stabilization, or other future capital event.
When does bridge financing make sense?
Bridge financing is commonly used for acquisitions, maturing debt, balloon payments, refinance or cash-out needs, transitional assets, and situations where permanent financing is not yet the best fit.
Do bridge loans make sense for stabilized properties?
Yes. BLC has closed bridge loans on stabilized properties where borrowers wanted near-term flexibility while assessing interest rates, cap rates, property values, or micro-market conditions before committing to long-term debt.
What FICO score does BLC generally require?
BLC generally looks for a minimum 620 FICO score while also reviewing collateral strength, cost basis, loan structure, borrower profile, and the exit strategy.
Will BLC consider lease-up or stabilization properties?
Yes. BLC may consider properties in lease-up, stabilization, ownership restructuring, or similar business-plan-driven situations. A non-cash-flowing or partially occupied property needs a credible path to repayment, not an undefined vacant-asset request.