Commercial Real Estate Bridge Loan

Fast, Flexible capital for investors who need to move quickly, without delays of traditional lending.

Private Lender Center provides bridge loans that are short-term financing solutions designed for real estate investors who need fast, flexible access to capital for acquisition, refinance, or repositioning of a property.

These business-purpose loans are commonly used when timing is critical—such as acquiring assets below market value, refinancing existing debt, resolving loan maturities, or stabilizing a property prior to securing long-term financing or executing a sale.

Through Private Lender Center, borrowers are connected with actively funding lending partners offering flexible bridge loan programs. Loan decisions are driven primarily by the value of the real estate collateral and the strength of the exit strategy, rather than relying heavily on personal income documentation.

When to Use a Bridge Loan

Private Lender Center is an active lender in commercial real estate, providing bridge capital for small and medium balance transactions. Uses of proceeds include:

  • Quick-close acquisition: Secure a competitive property before traditional lenders can move.
  • Debt refinancing & restructuring: Replace or reorganize existing debt on your timeline.
  • Partner buyouts: Resolve ownership transitions without disrupting operations.
  • Asset repositioning: Fund renovation and TI/LC costs while stabilizing a transitional property.
  • DIP financing: Capital solutions for distressed or bankruptcy-adjacent situations.
  • Bridging to agency or CMBS: Season the loan before refinancing into permanent financing.
  • Cash-out refinance: Extract equity from single-family, multifamily, or condominium properties.

Who We Work With

Private Lender Center works with a broad range of borrowers including:
  • Distressed or transitional borrowers (credits challenges, liquidity issues, or bankruptcy)
  • Investors needing to bridge the seasoning gap for agency or CMBS takeouts
  • Borrowers with time-of-essence requirements who can't wait on conventional underwriting.

Program Highlights

  • Loan Amounts: Typically $100,000 – $50,000,000+
  • Maximum LTV: Up to 65% – 70% of current property value
  • Interest Rates: Starting around 10.50% – 13.50%+
  • Points: Typically 2.5 – 4.5
  • Loan Terms: 6 – 24 months with extension options
  • Payments: Interest-only, with principal due at payoff
  • Closing Timeline: Often 10 – 21 days
  • Prepayment: Many programs offer no prepayment penalty

Eligible Property Types

  • Loan Amounts: Typically $100,000 – $50,000,000+
  • Maximum LTV: Up to 65% – 70% of current property value
  • Interest Rates: Starting around 10.50% – 13.50%+
  • Points: Typically 2.5 – 4.5
  • Loan Terms: 6 – 24 months with extension options
  • Payments: Interest-only, with principal due at payoff
  • Closing Timeline: Often 10 – 21 days
  • Prepayment: Many programs offer no prepayment penalty

Eligible Property Types

  • Multifamily Properties
  • Mixed-Use Assets
  • Retail & Strip Centers
  • Warehouse & Light Industrial
  • Single-Family Investment Properties
  • 2–4 Unit Residential Investments
  • Condominiums & Townhomes (Investment Use)

Ready to move on your next deal?

Ground-up construction financing is structured around execution—prioritizing project feasibility, budget, timeline, and end value. This asset-based approach allows developers to secure capital based on the strength of the deal and their ability to deliver a successful project. Submit your deal summary and we'll get back to you fast. Our team specializes in structuring creative solutions for complex transactions.