Commercial Real Estate Bridge Financing — Tennessee / Nashville Metro

Commercial Real Estate Bridge Financing | Tennessee & Nashville Metro

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.

Frequently Asked Questions

How much sponsor equity is typical for Nashville bridge loans?
Plan for 10 to 25 percent of total uses depending on leverage, business plan risk, and property type. Mezzanine or preferred equity can narrow the cash ask.
Can interest be reserved to protect DSCR during lease-up?
Yes. We size interest, taxes, insurance, and capex reserves to match the plan and stabilize DSCR before conversion to perm debt.
Will lenders accept short operating history on newly renovated assets?
Yes with strong comps, pre-leasing, credible management, and a realistic ramp. Weekly leasing and capex reporting help.
Can I close if my permanent loan is not yet locked?
Yes. We set clear takeout standards, extension mechanics, and a marketing timeline to agency, bank, or life co lenders.
How fast can a Tennessee bridge loan close?
Three to six weeks after a clean file and third-party reports. Add time for complex title issues or environmental items.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

Trade Finance

Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.

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Project Finance

Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

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Acquisitions

Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

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For Banks

Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.

Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.