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Commercial financing, explained plainly
Practical articles on bridge loans, bank declines, loan delays, documents, timelines, and exit planning, written by the team at BluRidge.
Practical articles on bridge loans, bank declines, loan delays, documents, timelines, and exit planning, written by the team at BluRidge.
Estimate bridge costs, cash to close, DSCR, and maximum loan size.
Run the numbers →Plain-language definitions of the terms lenders use.
Look up a term →Real deals we have worked through, and how they got done.
See the deals →How bridge financing works, what it costs, and how to qualify.
At closing, by the transaction. The three ways broker pay works, what you should never pay, and the questions worth asking.
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The 51 percent rule, the SBA path to 10 percent down, and why occupants get the best terms in commercial lending.
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How much you can pull out, what the cash can fund, and the two constraints that size every cash-out.
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Most purchases take 20 to 30 percent down, SBA can go as low as 10. What sets your number and how to reduce it.
Read more →Ratio floors, credit floors, down payments, and what these loans do not require: your tax returns.
Read more →New entities get financed every day. What lenders look at instead, and what to have ready.
Read more →A bank decline usually means your deal didn't fit that bank's box, not that the deal is bad. Bridge and private lenders...
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A commercial bridge loan is short term, interest-only financing that lets you close now and arrange permanent financing ...
Read more →Most commercial bridge loans close in less than a month, and the fastest deals close in about three to five days, compared to...
Read more →Getting pre-approved for a commercial bridge loan comes down to showing the lender three things: a property worth lendin...
Read more →A commercial bridge loan typically costs more than a bank loan, and that premium buys speed and flexibility. Expect rate...
Read more →Bridge loans and hard money loans overlap a lot, and the terms are often used interchangeably. The practical difference...
Read more →To qualify for a commercial bridge loan, you generally need a property worth lending against, meaningful equity or down...
Read more →Choosing the right financing path: SBA, bridge, bank, and how deals get won.
Draws, interest reserves, loan-to-cost, and why land is the hardest asset to finance.
Read the article →How lenders size a cash-out, what the proceeds can fund, and when a bridge does it faster.
Read the article →Commercial loans slow down for predictable reasons: incomplete documents, slow third-party reports, layered approvals, and last-minute conditions.
Read more →When a commercial balloon payment is coming due, you have four main options: refinance, extend, sell, or arrange bridge financing.
Read more →A 1031 exchange lets you sell an investment property and defer capital gains taxes by reinvesting the proceeds into a like-kind property.
Read more →Before choosing a lender, ask how fast they realistically close, who actually makes the decision, what the all-in cost i...
Read more →Choose a bank loan when you have enough time and a clean, conventional deal that qualifies for the lowest rate. Choose a bridge...
Read more →Every bridge loan needs a clear exit. The two main paths are refinancing into permanent financing or selling the propert...
Read more →SBA financing is a strong fit when your business will occupy a majority of the building, you have enough operating histo...
Read more →SBA loans help business owners buy the commercial real estate they operate from, often with a lower down payment and lon...
Read more →The SBA 504 is built for real estate and major equipment, usually with a low down payment and long fixed terms, and it i...
Read more →Bridge financing is not just a backup when a bank says no. Used well, it is a tool that lets investors and business owne...
Read more →Commercial financing differs from residential in that lenders focus heavily on the property and its income, not just you...
Read more →A 1031 exchange runs on strict deadlines: 45 days to identify replacement property and 180 days to close. When conventio...
Read more →Often yes. Commercial lending weighs the property more than your credit score, especially with bridge and private lender...
Read more →Financing guides for specific property types, from multifamily to RV parks.
Mixed-use properties combine residential and commercial space, which puts them outside many bank programs. Lenders look ...
Read more →If your business will occupy a majority of the building, you're an owner-occupant, and that opens financing options an ...
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Self-storage financing is available through conventional loans, SBA programs for owner-operators, and bridge financing f...
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Hotel financing covers acquisition, construction, renovation, and conversion, and it is more specialized than most comme...
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Medical office buildings are financed through conventional loans, SBA programs for practices that occupy their own space...
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Assisted living and senior care facilities are financed through conventional loans, SBA and agency programs, and bridge...
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RV parks and campgrounds are specialty properties that many banks avoid, which is why owners often turn to SBA programs,...
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Multifamily is one of the most financeable commercial property types, with conventional, agency, and bridge options. Len...
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Industrial and warehouse properties are financed through conventional loans, SBA programs for owner-users, and bridge fi...
Read more →Retail properties, from single-tenant buildings to strip centers, are financed through conventional loans, SBA programs...
Read more →What happens during the loan process, and how to keep it on track.
The coverage ratio explained, with a computed table of the loan your NOI supports.
Read the article →Usually yes, most commercial loans require a personal guarantee, meaning you are personally responsible if the loan defa...
Read more →A complete bridge loan package includes property details, a purchase contract or current valuation, property financials,...
Read more →After you submit, the process runs through initial review, a term sheet, document collection, third-party reports, under...
Read more →Most commercial closings slip for a short list of reasons: missing or late documents, a slow appraisal or title issue, r...
Read more →On a commercial purchase, plan for the down payment plus closing costs and reserves. The down payment is usually the gap...
Read more →Reserves are cash a lender wants you to have available after closing, as proof you can carry the property through a slow...
Read more →Before you pay for a commercial appraisal, confirm three things: that the lender is truly interested in the deal, that t...
Read more →Send the property, loan amount, and timeline. We'll review it and tell you whether it's something we can help with, within one business day.