A commercial real estate bridging loan is a first-lien or mezzanine facility with a short tenor, secured against property or development rights, used until a sale, refinance, or stabilization event happens.
First charge or mortgage, assignment of rents, account control, step-in rights for property management, and draw controls for capex.
Commonly up to 60–75% Loan-to-Value (LTV) for stabilized assets, or Loan-to-Cost (LTC) for works. Higher leverage may require mezzanine, preferred equity, or recourse.
6 to 24 months with extensions. Interest may be serviced monthly or partly/fully capitalized (payment-in-kind). Full repayment at exit.
Mitigate with early term sheets for the take-out, realistic timelines, and conservative DSCR and valuation assumptions.
Hold contingency for capex, use fixed-price contracts where possible, and tie draws to verified progress.
Backstop with pre-lets where possible, staged leasing assumptions, and broker evidence for achievable rents.
Buyer wins an auction with 30-day completion. Bridge funds 70% LTV. Exit is a term loan after leases roll to market and DSCR clears lender hurdles.
Light works and common-area upgrades to push rents. Interest partly capitalized during construction. Refinance at higher valuation.
Land or building held while permits are secured. Exit is a construction loan or forward sale once approvals are in hand.
LTV equals the loan amount divided by the lender’s accepted value. For capex projects, some lenders size to cost and then test LTV at each draw.
Not always. Many structures allow partial or full capitalization during works or lease-up, funded by an interest reserve at closing.
A signed sale contract, a term sheet for long-term financing, or a model demonstrating DSCR and valuation that meet term lender thresholds within the loan term.
Share the address, photos, tenancy, requested amount, LTV or LTC, capex plan, and exit. We will confirm eligibility and pricing bands.
Request Indicative TermsFinancely acts as advisor and arranger on a best efforts basis. We are not a bank. All transactions are subject to KYC and AML, sanctions screening, credit approval, legal documentation, third-party reports, and available lender capacity. Nothing here is a commitment to lend or an offer of securities. Terms vary by lender names, jurisdiction, and asset quality.
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.
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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.
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Submit a RequestOnce 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.
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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