Commercial Bridge Loan Program

A "Commercial Bridge" loan is a short-term loan used to purchase or refinance a property quickly in order to take advantage of a short-term opportunity, accommodate an urgent closing, or bridge the gap until permanent financing is available.  A Commercial Bridge Loan is a great fit in the following situations:

  1. Unique acquisition situations requiring non-conventional financing such as a foreclosure sale or REO
  2. Sale & Leaseback Scenarios needing a quick closing
  3. Distressed Sales, IRS Liens, Bankruptcy Resolutions, Debt Consolidation
  4. Partner Equity Buyouts
  5. Mortgage Acquisitions and Discounted Mortgage Buybacks
  6. Rehab & Conversion opportunities which require property stabilization before permanent financing can be obtained

At Capital Funding Financial, our commercial bridge loans close quickly... in as little as 7-14 days at rates starting at 7.99%! Our commercial bridge loans require no personal income verification and very little documentation instead the underwriting is primarily based on the property itself! Our Commercial Bridge loans are a great way to purchase or refinance a commercial asset which needs a quick closing without the extensive underwriting associated with traditional bank financing. Our commercial bridge loan program provides you with the ability to close quickly by using a reliable & experienced lender as your financing partner. and very little documentation!

Program Overview

Loan Amount: $250,000 - $20 Million
Term Length: 6 - 36 months
Max LTV: Up to 75%
Amortization: Interest only
Interest Rate: Starting at 7.99%
Closing Time: 7 - 14 Days
Loan Use: Purchase, refinance, cash-out,
construction, renovation
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Pro's About Commercial Bridge Loans:

  • Quick Closing in 7-14 Days
  • Low Rates Starting at 7.99%
  • Interest-only payments
  • No Occupancy Requirement
  • No Income Documentation
  • Qualify Based on the Property LTV

What Do I Need To Qualify?

  • Simple... Equity in the property!
  • Origination Fee: 1.50% - 3.00% of the loan amount
  • Processing Fee: $795 - $995
  • Underwriting Fee: $1,500
  • Prepayment Penalties: None! (3+ months of minimum interest earned)

Required Documents for Closing

Property
Documents

  • Purchase Contract
  • Payoff Statement (if Refinance)
  • Rent Roll & Leases 
  • Renovation Budget  (if Rehab)

Personal
Documents

  • Loan Application 
  • Track Record / Experience / SREO
  • Last Month's Bank Statement
  • Drivers License and/or Passport

Business
Documents

  • Articles of Incorporation
  • Operating Agreement (LLC) or Bylaws (Corp.)
  • EIN Letter

Is a Commercial Bridge Loan Right For Me?

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Need to close fast? You can count on us!

Benefits of our Commercial Bridge Loans:

  • Close in 7-14 Days
  • Up to 75% LTV
  • No Income Documentation
  • No Occupancy Requirement
  • Low Credit Requirement
  • No Prepayment Penalty
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Loan Fees and Costs

  • Origination Fee: 1.50% - 3.00% of the loan amount
  • Processing Fee: $795 - $995
  • Underwriting Fee: $1,500

Prepayment Penalties

None! (3+ months of minimum interest earned)

Commercial Bridge Loan Program FAQ’s

Eligible Properties for Commercial Bridge Loans

Industrial

Industrial iproperty classification used for manufacturing, production, and storage facilities. At Capital Funding Financial, we will lend to real estate investors looking to purchase or refinance industrial properties with loan amounts of $250,000+.

Multi Family

Multi-family is a classification of housing where multiple units (5+) for residential use are contained within one or more buildings within one community or complex. At Capital Funding Financial, we will lend to real estate investors looking to purchase or refinance multi-family properties with loan amounts of $250,000+.

Mixed Use

Mixed-use is a type of development that blends residential and commercial uses into one integrated complex or building. At Capital Funding Financial, we will lend to real estate investors in the following scenarios: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out on mixed use projects with loan amounts from $250,000+.

Retail

Retail is any property used for commercial retail space such as a storefront for selling goods or services. Capital Funding Financial will lend to real estate investors and business owners who are looking for a loan for: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out from $250,000+.

Office

Office is a property classification which generates income from tenants comprised of businesses and professionals. Capital Funding Financial will lend to real estate investors and business owners who are looking for a loan for: purchase, refinance, bridge to stabilization, bridge to sale, or bridge to construction take out from $250,000+.

Hospitality

Capital Funding Financial will lend to experienced operators with a flag in the hotel and lodging sector. Loan amounts are $500,000+.

Other eligible properties include: Self storage, Gas Stations, Medical Office, Agricultural
Common uses include: Acquisition, refinance, cash-out, renovation / construction

Required Documents for Closing

Property
Documents

  • Purchase Contract
  • Payoff Statement (if Refinance)
  • Rent Roll & Leases 
  • Estoppel Certificates & SNDA's 

Personal
Documents

  • Loan Application 
  • Track Record / Experience / SREO
  • Last 3 Months of Bank Statements
  • Drivers License and/or Passport

Business
Documents

  • Articles of Incorporation
  • Operating Agreement (LLC) or Bylaws (Corp.)
  • EIN Letter

Approval Process

Close in as little as 7 - 14 Days! From start to finish in 5 easy steps!
Step
1
Submit Loan Request
Step
2
Upload Documents & Accept LOI
Step
3
Appraisal & Title Ordered
Step
4
Final Legal Review
Step
5
Closing