A Commercial Real Estate bridge loan is short-tenor, asset-secured financing designed to close quickly and carry a property through a transition. That transition can be acquisition, repositioning, lease-up, capex execution, or a refinance timing gap. Bridge capital is priced for speed and flexibility, then typically refinanced with longer-tenor permanent debt once the business plan is stabilized.
Financely provides bridge loan advisory and placement support. We underwrite the asset and sponsor, structure the request in lender format, and run a controlled term sheet process across our platform of 90+ bridge lenders. Where the capital stack requires additional equity to meet leverage and coverage constraints, we can also coordinate equity partners for gap capital or preferred equity, subject to approvals and documentation.
Bridge lenders underwrite two things in parallel: current downside protection and a credible, financed exit. The loan is typically interest-only, short-tenor, and sized to the asset’s value and the plan’s feasibility. The lender focuses on execution risk, budget discipline, sponsor track record, and the refinance path.
| Term Component | What It Typically Means |
|---|---|
| Tenor | Short duration, often 6 to 36 months, with extension options subject to conditions and fees. |
| Leverage | Sized to value and plan risk. The binding constraint is usually sponsor equity and exit feasibility, not marketing ranges. |
| Capex and TI/LC | Renovation and leasing costs may be funded through future advances with controls, inspections, and draw procedures. |
| Structure | Recourse or non-recourse varies. Carveouts and completion or carry guarantees are common in transitional assets. |
| Economics | Interest-only pricing plus origination and legal fees. Exit fees and extension fees may apply depending on lender and profile. |
| Exit | Refinance, sale, or recap. Lenders expect a documented, timed plan with realistic assumptions and sources. |
Bridge financing is won on packaging, speed, and decision-maker access. We coordinate the file into an underwriting-ready format, then run outreach to a targeted subset of our 90+ bridge lenders based on the asset type, market, leverage, and timeline. Where leverage or liquidity constraints create an equity gap, we can coordinate equity partners to complete the stack, subject to approvals.
We triage the asset, sponsor, and exit plan, then position the request with realistic terms and a defensible risk narrative.
We distribute to an appropriate lender set, normalize indications, and manage the issue log so the borrower is not negotiating blind.
We coordinate third-party reports, legal workstreams, lender conditions, and timeline controls through closing.
If the stack requires additional equity, we coordinate access to equity partners and align intercreditor and governance terms.
No. Financely is an advisory firm. We structure and coordinate placement with bridge lenders and, where appropriate, equity partners.
Speed depends on file readiness, third-party reports, and borrower responsiveness. Clean files move materially faster than files that require rework.
Yes, in applicable situations. We can coordinate equity partners to bridge the equity gap or provide preferred equity, subject to diligence and definitive documentation.
Bridge capital is typically priced higher because it is short-tenor, execution-driven, and underwrites transition risk. The objective is to execute the plan and refinance into lower-cost long-tenor debt once stabilized.
Inconsistent financials, unrealistic budgets, unverified sources and uses, sponsor liquidity gaps, and timelines that do not match diligence realities.
If you have an active acquisition, refinance, or value-add plan, submit your property package, budget, sponsor profile, and target close date. We will revert with a structured term sheet pathway across our bridge lender platform and, where required, a gap capital plan.
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, direct lender, insurer, surety, broker-dealer, or investment adviser. Any financing is provided solely by third-party counterparties under their own approvals, policies, and documentation. All transactions are subject to eligibility, due diligence, KYC and AML review, sanctions screening, lender credit approval, and execution of definitive agreements.
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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