In today’s competitive real estate market, timing is everything. Whether you need to secure a property quickly, cover unexpected expenses, or bridge the gap between transactions, a commercial mortgage bridge loan can be the perfect solution. At Mortgage Capital, we specialize in providing fast, flexible, and hassle-free bridge loans to help you move forward with confidence.
What Is a Commercial Mortgage Bridge Loan?
A commercial mortgage bridge loan is a short-term financing solution secured by commercial real estate or other valuable assets. These loans help investors, property owners, and business professionals gain quick access to capital when traditional financing options are unavailable or take too long to process.
Unlike conventional loans, commercial bridge loans come with faster approval times, flexible terms, and fewer restrictions—giving you the funding you need, when you need it.
Why Choose a Commercial Bridge Loan?
- Quick Access to Capital – Secure funding in days, not months.
- Flexible Approval Requirements – Less strict than traditional banks.
- Interest-Only Payments – Lower monthly obligations.
- Short-Term Solution – Perfect for transitional financing needs.
How Can You Use a Commercial Bridge Loan?
A bridge loan is ideal for a variety of real estate and business needs, including:
- Purchasing or investing in commercial property
- Refinancing an existing loan for immediate cash flow
- Renovating or improving commercial buildings
- Covering payroll or IRS liens
- Expanding business locations or launching new ventures
- Mergers, acquisitions, or business debt consolidation
Need financing for a specific project? Let’s discuss your options. Call 561-300-0380 today.
Who Qualifies for a Commercial Bridge Loan?
We consider various factors when evaluating your application, including:
Property Value & Location – Appraisal, condition, and potential resale value.
Financial Standing – Debt-to-income (DTI) and debt-service coverage ratio (DSCR).
Credit History – Prior financial issues won’t necessarily disqualify you.
What Types of Properties Qualify?
Our commercial mortgage bridge loans cover a wide range of properties, including:
🏢 Office buildings & commercial spaces
🏠Industrial warehouses & manufacturing centers
🏨 Hotels & hospitality properties
🏬 Retail stores & shopping centers
🏡 Multi-family residences (apartments, condos, townhomes)
🏗️ Mixed-use properties
How Much Can You Borrow?
Loan amounts range from $55,000 to $5 million, with lenders typically offering up to 80% of the property’s appraised value. Your final loan amount depends on factors such as the property’s value, your financials, and our lending criteria.
Advantages & Disadvantages of Commercial Bridge Loans
The Benefits:
Fast Approval & Funding – Receive loan decisions within 48 hours and funding in as little as four days.
Minimal Documentation – Less paperwork compared to traditional loans.
Short-Term Flexibility – Use the funds for your immediate financial needs.
The Considerations:
Higher Interest Rates – Bridge loans often come with slightly higher rates than conventional loans.
Short Repayment Period – Typically requires repayment within 1-3 years.
Additional Fees – May include closing costs, origination fees, and appraisals.
Why Choose Mortgage Capital?
At Mortgage Capital, we make financing simple and stress-free. Whether you’re an investor, business owner, or real estate developer, our team is dedicated to finding the best solution for your financing needs.
Fast loan decisions – within 48 hours
Funding in as little as 4 days
Loan amounts from $100,000 to $5 million
Customized financing solutions tailored to you
Ready to secure funding for your next project? Call 561-300-0380 or apply online today!