Commercial Bridge Loans
Our program for commercial bridge loans is designed for speed and flexibility. Whether it is a fast acquisition, value-add project, or other under-served scenario, we will have competitive commercial loans that will fit any commercial properties business plan.
- Loan Amounts: $1 million up to $40 million +
- Terms: 6 months to 5 years
- Loan to value max: Up to 80% LTV, 85% LTC
- Amortization: Interest only
- Interest rates: Exceptional, market competitive for each deal
- Lending Area: Nationwide geography; including primary, secondary, and tertiary markets
- Recourse: Non-recourse and recourse options
Types of Commercial Bridge Loans we do
- All real estate asset classes
- Nationwide geography, including primary, secondary, and tertiary markets
- Fast acquisitions, refinances, cash-outs
- Value-add & re-positioning
- Heavy & light rehab
- 1st, 2nd, & mezzanine types of loans
We provide bridge loans for commercial real estate investment property in need of fast capital to fund an acquisition, refinance, construction, or even for saving a piece of valuable real estate from foreclosure. These financing products are simple to obtain, can be funded faster than any commercial mortgage, offered at surprisingly competitive rates, and typically not available at a traditional bank.
Clopton Capital is a nationwide commercial real estate capital company, mortgage broker, and mortgage banking firm. We specialize in commercial mortgages, commercial bridge loans, and real estate private equity for transaction sizes ranges from $1 to $40 million. The commercial mortgage lenders at our company bring long lasting relationships with capital providers that give our clients and property owners deep insight and superior execution for their real estate investment.
Visit our guide if you’re wondering how to choose a bridge loan lender.
Examples of Commercial Bridge Loans
Example 1) A borrower came to use looking to refinance an $8 million maturing commercial property loan for a retail center in central Illinois. The center had a large space with a near term lease roll that would not be renewed prior to the loan maturing. Because of this, the property could not go to a perm loan and the owner was unsure how they were going to refinance the property. We were able to arrange a fast non-recourse bridge loan with a 24-month term that gave them time to get the remaining lease signed, get the property stabilized, and back into a permanent loan. The bridge was structured as interest only, 75% ltv, and non-recourse.
Example 2) A borrower came to us looking for an acquisition and rehab loan for a value add apartment building deal in San Antonio. The loan needed to include rehab money, be interest only, non-recourse, and provide enough time to fix the property and get it stabilized to go to the permanent loan market. We were able to arrange a $5.5 million non-recourse loan for 24 month, which gave the borrower 75% of stabilized value in acquisition and rehab dollars. As such the borrower was able to get the property under control and execute his value add plan for his investors, all with a safe commercial bridge loan.
Example 3) A borrower came to us with an $8 million of first mortgage commercial real estate loans maturing for 4 office/retail investment properties in Seattle. The borrower was unsure what they wanted to do with the properties and needed time to decide if they were going to sell of refinance, but did not want hard money lending. As such, we arrange a short term interest only bridge financing for the borrower that was non-recourse with very light prepayment, giving them an additional 24 months to figure out what they wanted to do with the properties.
Still have questions about commercial bridge loans? We have answers.