Commercial Real Estate bridge loans exist for one job: speed with structure. They are short-tenor facilities used to acquire, refinance, reposition, or stabilize an asset when permanent capital is not yet available, or not yet priced to your liking.
“Best” in bridge lending is not a logo. It is certainty of execution, clean diligence, lender alignment, and a closing process that does not collapse the week of funding. Financely underwrites the deal first, then introduces you to the right lenders from a network of 90+ bridge lenders, with equity partners available when the capital stack needs gap support.
You have a signed PSA, hard money is at risk, and the seller will not grant extensions. Bridge capital can close first, with take-out financing executed post-close once operations and reporting are stabilized.
Maturity payoffs, forced paydowns, or construction loan exits frequently require a short-term solution while the asset completes lease-up, NOI seasoning, or a capex plan.
Transitional occupancy, tenant rollover, or deferred maintenance can push an asset outside conventional lending boxes. Bridge lenders can advance against a defined business plan and reserves.
The exit is permanent debt, agency, insurance company, or CMBS, but only after stabilization metrics are met. A properly structured bridge avoids cash traps and supports extensions if execution runs long.
| Term Sheet Area | What “Good” Looks Like In Practice |
|---|---|
| Tenor And Extensions | Short-term, with defined extension options tied to performance tests, fee payment, and clean compliance. Extensions matter more than headline term because execution never runs perfectly. |
| Pricing And Payment | Often floating-rate with interest-only payments, and reserves where the business plan requires interest carry. The real price is the all-in cost including lender fees, third-party reports, legal, and exit flexibility. |
| Leverage And Proceeds | Proceeds are driven by in-place cashflow, stabilization plan, sponsor strength, and asset liquidity. Higher leverage is typically paired with tighter reporting, reserves, and covenants. |
| Capex Holdbacks | Value-add facilities commonly include construction or improvement holdbacks, released against verified progress and lender controls, not optimism. |
| Recourse And Carve-Outs | Many bridge loans are non-recourse with standard “bad act” carve-outs. The structure still expects sponsor liquidity, net worth, and real governance. |
| Prepayment And Exit | A bridge loan should not punish you for executing faster. The best facilities have transparent prepay mechanics and a clear path to refinance without renegotiation warfare. |
Bridge lenders do not fund “teasers.” They fund files that can survive committee scrutiny. That means disciplined underwriting, defensible assumptions, and a diligence path that does not create surprises at the finish line.
We pressure-test the file, tighten the assumptions, and build a lender-grade narrative. If the deal does not pencil, we tell you early. If it does, we package it properly.
We match the asset, business plan, sponsor profile, jurisdiction, and timing to lenders that actually lend in that box. This avoids wasted weeks and performative “soft quotes.”
We run a controlled process to collect indications on a comparable basis: leverage, covenants, extension tests, reserves, third-party costs, and closing timeline.
We coordinate diligence, legal, and closing steps so the lender’s conditions are satisfied without last-minute chaos. Where the capital stack requires it, we can introduce equity partners for gap support.
We commonly place bridge capital for multifamily, industrial, self-storage, hospitality, retail, mixed-use, and select office and medical assets, subject to location quality, tenant profile, and an executable business plan.
Speed depends on borrower readiness and third-party reports. Well-prepared files can move quickly. Sloppy files slow down. The fastest path is a complete package, clean ownership, and clear sources and uses from day one.
Yes. Many bridge facilities include capex holdbacks and construction disbursement mechanics, released against verified work and lender controls.
Not always. Many executions are non-recourse with standard carve-outs, but lenders still underwrite sponsor liquidity, experience, and governance.
No. We are not the lender and we do not control credit committees. We improve certainty of execution by underwriting the deal, packaging it to lender standards, and running a disciplined matching and term sheet process.
If you have a signed PSA, a refinance need, or a time-sensitive stabilization plan, submit your file for underwriting. We will revert with next steps and lender fit based on the asset, business plan, and sponsor profile.
Request A QuoteDisclaimer: This page is for general information only. It does not constitute legal, tax, regulatory, investment, or credit advice and it is not an offer or commitment by Financely or any third party to provide any financing. Financely is not a bank or lender. Any loan is made solely by third-party lenders under their own policies, approvals, and definitive documentation. All matters are subject to underwriting, borrower eligibility, KYC and AML review, sanctions screening, third-party reports, and closing conditions.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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