Commercial Hard Money & Bridge Loans Commercial bridge capital, sized on the asset and your exit.
Multifamily 5+, mixed-use, retail, industrial, office and land. Tell us the asset, the loan amount, your timeline and your exit, and a licensed loan expert will tell you plainly whether bridge capital fits and what it takes to close.
Takes about a minute · No obligation · Business-purpose loans only*
Bridge capital for deals a bank can't close yet.
Each program is sized on the property and the plan. Pick the one that matches your deal.
Acquisition & refinance
Buy or refinance multifamily 5+, mixed-use, retail, industrial or office before it qualifies for permanent debt.
Get terms for my deal → MRMaturing loan solutions
Pay off a loan the bank won't refinance at the same amount, then refinance once income or rates support it.
Talk through my maturity → CRConstruction & land
Short-term capital matched to your budget, schedule and exit, including land acquisition while entitlements come together.
Review my project →Financing 1–4 units? See hard money loans or DSCR loans.
Tell us the deal. Get a straight answer.
- Share the dealProperty, value or price, loan amount, closing or maturity date, and your exit.
- We size it on the assetValue, income, business plan and exit, tested against today's refinance market.
- Get a term sheetLeverage, rate, term and fees laid out before you commit.*
Asset-based. Exit-first.
You work directly with a licensed loan expert from the first conversation through closing, not a call center.
When commercial borrowers use bridge capital
Short-term financing for deals where timing, occupancy or today's rates rule out a bank or permanent loan.
Maturing loan, short refinance
Your loan is due and today's permanent quotes won't cover the payoff. Bridge to a later refinance.
Lease-up & stabilization
Buy or refinance with vacancy, then refinance once occupancy and NOI support it.
Value-add & repositioning
Fund renovations, re-tenanting or a change of use.
Time-sensitive acquisitions
Close on discounted or off-market deals and short escrows.
Construction & redevelopment
Short-term capital for projects with a clear budget, schedule and exit.
Land & entitlement
Finance land or bridge the gap while entitlements come together.
How much debt can the property carry?
Enter the value, the loan you need and, if the property has income, its annual NOI to see the two numbers lenders look at first.
Market update · October 2026
The 10-year Treasury has traded above 5%, the Fed raised rates in September, and lenders now name interest rates as their top headwind. Permanent loans are sizing smaller, so a bridge-to-refinance plan is worth mapping now.
- Permanent loanssizing smaller
- Banks & life cos.most rate-sensitive
- Private / debt fundsmore flexible
- Maturitiesstill need an answer
Commercial bridge loan terms
Every deal is priced individually on property type, occupancy, leverage, sponsor experience and term. Send us the deal and we'll send you a term sheet.
| Program | Used for | Leverage based on | Term | Payments |
|---|---|---|---|---|
| Commercial bridge (acquisition / refinance) | Buying or refinancing before stabilization | As-is value, income and business plan | Short-term, sized to your exit | Interest-only options |
| Cash-out refinance | Pulling equity for the next deal or improvements | As-is value and income | Short-term, sized to your exit | Interest-only options |
| Construction & redevelopment | Ground-up, redevelopment and transitional projects | Total project cost and completed value | Matched to the build schedule | Interest on funds drawn |
| Land | Acquisition and entitlement | Land value and entitlement status | Short-term | Interest-only options |
Business-purpose, non-owner-occupied commercial property only. Property types: multifamily (5+ units), mixed-use, retail, industrial & warehouse, office, hospitality, land. Smaller residential investment? See hard money loans.
What you'll need for a commercial bridge loan
What you'll provide
- Purchase contract, or current loan statement and maturity date
- Rent roll and trailing 12-month operating statement
- Major tenant leases
- Business plan, scope of work and budget
- Written exit strategy and timeline
- Schedule of real estate owned, bank statements and entity documents
What we don't qualify you on
- W-2s or pay stubs
- Employment verification
- Personal debt-to-income ratio
Commercial hard money questions
What is a commercial hard money loan?
A short-term, asset-based loan for commercial real estate, funded by private lenders or debt funds rather than a bank. Approval is based mainly on the property's value and income, the business plan and the exit strategy.
How is it different from a bank or permanent loan?
Bank and permanent loans want a stabilized property and size on current income at today's rates. Bridge loans can finance a property before it's stabilized, move faster and offer interest-only payments, at a higher cost and shorter term.
What property types qualify?
Multifamily with 5 or more units, mixed-use, retail, industrial and warehouse, office, hospitality and land. Smaller residential investments go through our residential hard money program.
My loan is maturing and the bank won't refinance at the same amount. Can a bridge help?
Often, yes. Higher rates have shrunk how much many permanent lenders will lend against the same income. A bridge loan can pay off the maturing loan and give you time to lease up or finish improvements, as long as there's a realistic exit.
How fast can a commercial bridge loan close?
It depends mostly on the appraisal, title and any environmental or property condition reports. Once we see the deal, we'll give you a realistic closing timeline before you commit.
Can I close in an LLC or partnership?
Yes. Commercial bridge loans are business-purpose loans and typically close in an entity.
Have a closing date or a maturity coming up?
Send us the property, the loan amount, your timeline and your exit. A licensed loan expert will tell you what fits, with no obligation.
*All rates, terms, timelines and program details are subject to underwriting approval and program guidelines. Any starting rate shown is not guaranteed; the actual rate is determined at application and varies with property type, occupancy, loan-to-value, term, sponsor experience and market conditions. Timelines are estimates and may vary with appraisal, title, third-party reports and underwriting. Market commentary is general information as of Oct 19, 2026, not a rate quote or investment advice. Business-purpose, non-owner-occupied loans only. Not a commitment to lend. American Prime Rate LLC, NMLS# 2421810.