Commercial Real Estate Bridge Financing — Tennessee / Nashville Metro
We structure and underwrite bridge loans for Tennessee commercial real estate with a focus on the Nashville metro. Acquisitions, refinance, value add, lease-up, and construction takeout. Senior bridge, mezzanine, and preferred equity with clear covenants and a tight closing plan. Full KYC, AML, and sanctions screening on every mandate.
What We Finance In Tennessee
Acquisitions
Time-sensitive buys, 1031 exchanges, portfolio carve-outs, and off-market opportunities.
Refinance
Maturity walls, rate resets, cash-out for capex, and sponsor repositioning.
Value Add
Renovation, re-tenanting, operating turnarounds, and lease-up bridges to perm.
Construction Takeout
Stabilization bridges after C.O., burn-off of recourse, and seasoning to agency or life co.
Target Property Types
Multifamily
Class A to C, student, and build to rent in Davidson, Rutherford, Williamson, Sumner.
Industrial
Light industrial, last mile, small-bay, and logistics near I-24, I-40, I-65 corridors.
Retail
Grocery-anchored, service retail, and urban infill street retail with proven sales.
Hospitality
Select-service and lifestyle hotels with strong RevPAR comps and brand flags.
Mixed Use
Urban nodes and suburban town centers with realistic absorption.
Capital Stack We Arrange
Senior Bridge
First-lien, interest only, reserves for taxes, insurance, and capex. DSCR and business plan driven.
Mezzanine
Second-lien or unsecured with tested intercreditor terms to bridge equity gaps.
Preferred Equity
Structured distributions and control rights that sit outside the mortgage.
What Improves Approval In Nashville
Realistic Business Plan
Credible capex, rent steps, and lease-up timing backed by market comps and vendor quotes.
Sponsor Track Record
Closed deals, prior turnarounds, and operational depth with third-party management if needed.
Exit Visibility
Agency, bank perm, or sale comps that clear the cap stack inside the loan term.
Clean Controls
Cash management, reserves, KPIs, and reporting that keep lenders comfortable.
Typical Terms
- LTV.
Up to 70 percent of as-is value. Up to 75 percent on multifamily with strong comps.
- LTC.
Up to 80 percent on value add with verified capex and contingency.
- Loan size.
USD 3 million to USD 100 million. Larger on a club basis.
- Tenor.
12 to 36 months with extension options tied to milestones.
- Pricing.
Floating rate with spread set by DSCR, leverage, and business plan risk.
- Covenants.
Minimum DSCR, liquidity floor, budget variance limits, and quarterly reporting.
Process
1
Screen and Structure
We assess story, collateral, market, and exit. We map the capital stack, controls, and timeline to close.
2
Underwrite and Term Sheet
We price with lenders and private credit funds, align intercreditor terms, and issue a term sheet with conditions precedent.
3
Documentation and Close
We finalize loan documents, security, reserves, and reporting. Funds flow and post-close milestones are set.
What To Send For Pricing
Financials
Trailing 24 months P&L and rent roll, T-12, T-3, balance sheet, lender statements, and tax returns.
Asset and Market
OM or summary, leases, photos, capex plan with quotes, broker opinion or appraisal, and sales or lease comps.
Sponsor
Bio, track record, REO, entity chart, GC or manager details, and third-party management agreement if any.
Request A Tennessee Bridge Term Sheet
Share address, loan amount, uses of proceeds, business plan, and target closing date. We will revert with lender route, pricing, and a checklist.
Start Your Funding Mandate
Financely is an arranger and underwriter. We are not a direct lender. Engagements are best efforts and subject to due diligence, KYC and AML, sanctions screening, and approval by lending partners. Nothing here is a commitment to lend or to buy securities.