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Commercial bridge loans
Short-term, interest-only financing that lets you close now and arrange permanent financing later. Built for speed, flexibility, and deals that don't fit a bank's box.
Short-term, interest-only financing that lets you close now and arrange permanent financing later. Built for speed, flexibility, and deals that don't fit a bank's box.
A commercial bridge loan is short-term financing that bridges the gap between where you're now and your permanent financing. It lets you close on a property quickly, then refinance or sell once the situation is stable.
Construction and land scenarios have their own patterns; our guide to construction and land financing walks through draws, loan-to-cost, and where bridge fits.
If you want to estimate the numbers first, our bridge loan calculators will do the math for you, and if you are wondering whether you qualify, our guide to bridge loan requirements.
Because the lender focuses on the property and the exit, a bridge loan can close far faster than a conventional bank loan. Typical terms run 6 to 36 months with interest-only payments, loan amounts from $250,000 to $40 million and up, rates around 7 to 13 percent, and 1 to 3 points. Confirm current numbers before you commit.
A bridge loan makes sense for time-sensitive acquisitions, properties that need repositioning or lease-up, unconventional property types, and situations where a bank already said no but the opportunity is real.
| Loan amounts | $250K to $40M+ |
| LTV | Up to 75% |
| Terms | 6 to 36 months, interest-only |
| Closings | As fast as 3 to 5 days on select programs; most deals under a month |
| Interest reserve | Generally available; payments built into the loan |
| Straight answer on your deal | Within 1 business day |
Reviewed July 2026. Ranges reflect programs across our lender network. Every loan is subject to underwriting and credit approval.