Commercial Bridge Loans
Commercial Bridge Loans — Close in 7-14 Days, $500K to $50M
Fast short-term financing for time-sensitive acquisitions and property transitions. Close quickly while you secure permanent financing or sell.
Today's rate:from 11.5%
7-14 Days
Typical time to fund
$500K - $50M
Flexible loan amounts
3-36 Months
Short-term solutions
Common Uses
Common Uses for Bridge Financing
Acquisitions
Value-add / repositioning
Quick refinance
Cash-out transactions
Bridge-to-perm
Auction & time-sensitive deals
Distressed properties
Construction takeout
Rates & Requirements
Loan Amount:$500K - $50M
Interest Rate:8.5% - 16%
Term:3 - 36 months
Max LTV:75%
Min Credit Score:550
Funding:7 - 14 days
Structure:Interest-only
Financing Benefits
- • Fast 7-14 day closings
- • Interest-only payments
- • Flexible exit strategies
- • No prepayment penalties
What Is a Commercial Bridge Loan?
A commercial bridge loan is a short-term loan on commercial property that "bridges" the gap between an immediate capital need and longer-term financing or a sale. It's built for speed: because lenders underwrite primarily on the asset's value and your exit strategy rather than lengthy income documentation, a bridge loan can fund in 7-14 days — versus the 30-90 days a conventional loan can take.
Halo's bridge financing runs from $500,000 to $50 million, with terms of 3-36 months and rates from 8.5% to 16%, typically interest-only with no prepayment penalty. Loans are sized up to 75% loan-to-value, and where you land in that rate range depends on the property, the LTV, your experience, and the strength of your exit.
Bridge loans are repaid through a clear exit — usually a refinance into permanent financing or a sale. When you're ready for that permanent loan, compare conventional commercial financing or explore commercial real estate options.
Commercial Bridge Loans by Property Type
Bridge lenders finance most income-producing property types. How a deal is sized depends on the property's current income, the business plan and the exit.
Multifamily
Value-add renovations, lease-up after a purchase, and buying before agency or bank financing is available.
Multifamily bridge loansOffice
Repositioning, re-tenanting and paying off a maturing loan while occupancy recovers.
Retail
Buying or re-leasing shopping centers and single-tenant buildings.
Industrial & warehouse
Fast closings on competitive acquisitions and light renovation.
Hospitality
Hotel acquisitions and property-improvement plans before permanent financing.
Mixed-use & self-storage
Lease-up, conversions and expansions that don't yet qualify for a bank loan.
How to Qualify for a Commercial Bridge Loan
- Equity of at least 25% of the property's value (loans up to 75% loan-to-value)
- A clear exit: a refinance into permanent financing or a sale
- A business plan and budget for any renovation or lease-up
- Experience owning or operating similar properties
- Credit flexible down to about 550, since the property is the main collateral
Comparing Bridge Loan Lenders
Bridge lenders range from banks to debt funds and private lenders, and their terms vary widely. We compare them for your deal on:
- Rate, origination fee and any exit fee
- Maximum loan-to-value and loan-to-cost
- Extension options and what they cost
- Recourse and guarantee requirements
- How renovation funds are held back and released
- How quickly the lender can close
Bridge vs. Permanent Financing
A bridge loan gets you in fast and buys time; permanent financing is the long-term, lower-rate loan you exit into. Most borrowers use both in sequence.
| Feature | Bridge Loan | Permanent (Conventional) |
|---|---|---|
| Time to fund | 7-14 days | 30-45 days |
| Term | 3-36 months | 15-30 years |
| Rate | 8.5%-16% | Treasury/SOFR + 1.5-4% |
| Structure | Interest-only, balloon at exit | Fully amortizing |
| Best for | Acquisitions, value-add, bridge-to-perm, cash-out | Long-term hold of stabilized assets |
Planning your exit? Compare conventional loans and SBA loans for the permanent take-out.
Explore Related Financing Options
Compare financing options to find the best fit for your business needs
$500K–$50M+
Construction Loans
Short-term financing for ground-up construction and major commercial renovations.
Learn more$500K–$50M+
Commercial Real Estate Loans
Financing for office buildings, retail centers, industrial properties, and mixed-use developments.
Learn more$500K–$25M
Portfolio Loans
Flexible lending from banks that hold loans on their own books with customizable terms.
Learn more$500K–$25M
Conventional Commercial Loans
Standard bank financing for stabilized commercial properties with proven cash flow.
Learn moreFAQ
Frequently Asked Questions
A commercial bridge loan is a short-term loan on commercial property that 'bridges' the gap between an immediate capital need and long-term financing. It's typically used to buy, renovate or reposition a property, or to pay off a maturing loan, and is repaid in 3-36 months through a sale or a refinance into permanent financing.
Bridge loans can be funded in as little as 7-14 days, significantly faster than traditional commercial loans which take 30-90 days. The speed comes from streamlined underwriting focused on asset value and exit strategy rather than extensive income documentation.
Bridge loan rates typically range from 8.5% to 16% depending on the property type, loan-to-value ratio, borrower experience, and exit strategy strength. While higher than permanent financing, the short-term nature and speed of funding often justify the cost for time-sensitive opportunities.
Bridge financing is commonly used for property acquisitions before selling existing property, renovation or repositioning projects, purchasing distressed assets, business acquisitions, construction completion, and any situation where speed is critical and traditional financing is too slow.
Bridge loan requirements focus on asset value (up to 75% LTV), a clear exit strategy (sale or refinance plan), property condition assessment, and borrower experience. The minimum FICO is around 550 — credit requirements are more flexible than traditional loans since the asset serves as primary collateral.
Compare more than the rate: origination and exit fees, maximum leverage (loan-to-value and loan-to-cost), extension options and their cost, recourse, how renovation funds are released, and how fast the lender can close. We compare debt funds, private lenders and banks for your deal so you can see those terms side by side.
Bridge loans are typically repaid through one of three exit strategies: refinancing into permanent long-term financing once the property is stabilized, selling the property, or using business cash flow. Most bridge loans are interest-only during the term with a balloon payment at maturity.
Both are short-term, asset-based loans that fund quickly, and the terms are often used interchangeably. In general, bridge loans tend to carry more favorable rates and structure for stabilized or near-stabilized commercial properties with a clear exit, while hard money is associated with higher-risk or heavy-rehab deals. Our bridge financing runs 8.5% to 16% with terms of 3-36 months.
Bridge loans are sized up to 75% loan-to-value, so you generally contribute at least 25% in equity or existing value in the property. Because underwriting centers on the asset and your exit strategy rather than income documentation, the minimum credit score is around 550, more flexible than traditional financing.
Still have questions? Our loan experts are here to help.