We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
Commercial Real Estate Debt And Acquisition Finance
An acquisition bridge loan is a time-compressed credit instrument designed to close a property purchase before permanent financing is available. It is underwritten on a combination of asset quality, sponsor execution capacity, and a credible take-out path.
If you want a bridge loan, stop thinking in terms of “rates” first. Think in terms of lender risk controls: valuation basis, cash management, covenants, and the exit. The deal that closes is the deal with a lender-ready file and a believable refinance or sale thesis.
If you want to move fast through a structured submission process, start with How It Works and submit through Submit Your Deal.
Bridge loans are short-tenor facilities that fund acquisitions, repositioning, lease-up, light rehab, or time-sensitive closings where bank term debt is not immediately executable. They typically sit at higher pricing than stabilized permanent debt because the lender is taking transitional risk and underwriting to an exit.
A bridge is rational when the property is under-managed, under-leased, mis-capitalized, or operationally improvable, and you can convert the situation into an underwriteable stabilized profile within a defined timeline. If your plan is vague, the bridge becomes expensive and restrictive.
Bridge lenders underwrite to value, cash flow support, sponsor capacity, and the exit path. In acquisition scenarios, lenders often look at as-is value, as-stabilized value, and a basis analysis including purchase price, capex, fees, and reserves.
Bridge underwriting is exit underwriting: if you cannot articulate the take-out lender and the stabilized metrics that lender will require, the bridge lender will price the uncertainty and tighten the structure.
Bridge facilities are customized, but the building blocks repeat: senior bridge, bridge with future funding, bridge plus mezzanine, and bridge with preferred equity. Some lenders will provide a full-stack solution, others will require a defined capital stack with intercreditor documentation.
| Structure | Typical Use | Key Terms That Move |
|---|---|---|
| Senior acquisition bridge | Close quickly, stabilize, then refinance into permanent debt | LTV, DSCR, debt yield, reserves, recourse carve-outs |
| Bridge with future funding | Capex and lease-up funded under controlled draw schedule | Holdbacks, draw conditions, inspection rights, completion milestones |
| Bridge plus mezzanine | Higher leverage with second-lien or structurally subordinated tranche | Intercreditor, payment blockage, cash sweep, covenant headroom |
| Bridge with preferred equity | Fill equity gap while keeping senior lender comfortable | Waterfall, sponsor promote, cure rights, exit mechanics |
| Bridge to agency or bank take-out | Designed around the underwriting box of the take-out lender | Stabilized DSCR, seasoning, occupancy thresholds, NOI definition |
Bridge lenders are not allergic to weak in-place cash flow, but they are allergic to an unquantified plan. They use leverage and cash flow coverage metrics differently than permanent lenders because the asset is transitional.
Bridge lenders protect themselves with a lien on the property and a control regime that governs cash. Expect assignments of rents, cash management with lender-controlled accounts, and reserves for taxes, insurance, capex, and tenant improvements where applicable.
Operational point: if your strategy relies on capex and leasing execution, the lender will control the capex releases. Build your timeline around that reality.
| Control Item | What It Covers | Why It Exists |
|---|---|---|
| First lien mortgage or deed of trust | Primary real estate collateral | Enforcement and foreclosure pathway |
| Assignment of leases and rents | Income stream and tenant contracts | Protects cash flow and allows step-in |
| Cash management | Rent collections and operating accounts | Prevents leakage and enforces reserves |
| Reserves and holdbacks | Capex, TI, leasing commissions, taxes, insurance | Funds improvements and reduces performance risk |
| Sponsor covenants and carve-outs | Non-recourse carve-outs and reporting duties | Protects lender against bad acts and information gaps |
Speed comes from file quality and decisioning clarity. If you want a bridge lender to move, deliver a lender-grade package that eliminates basic questions. Most delays are not credit rejections, they are underwriting gaps.
Financely operates as a transaction-led capital advisory desk for acquisition bridge loans and structured debt. We package the deal into a lender-grade file, align the credit narrative to the real underwriting box, and route the mandate to matched lenders. The objective is term sheets or written declines with reason codes, then execution under definitive documentation. Where execution requires licensing, we coordinate execution through appropriately licensed partners under their approvals.
Start with What We Do and submit through Submit Your Deal.
Submit the PSA, asset profile, capex plan, rent roll, sponsor profile, and your target leverage and closing date. We will revert with feasibility, lender fit, and the decisioning path.
Commonly 6 to 24 months, sometimes extendable with fees and performance conditions. The tenor is driven by the stabilization plan and the take-out lender timeline.
Many bridge loans are non-recourse with carve-outs, but construction, heavy rehab, or weak sponsorship can introduce limited recourse or completion support. The recourse posture is a function of execution risk.
No credible take-out path, unrealistic NOI or lease-up assumptions, weak sponsor liquidity, or title and environmental issues. Lenders will not fund an acquisition bridge that is actually a permanent capital problem.
It depends on third-party reports, legal, and borrower readiness. With a clean file and cooperative parties, some lenders can move quickly, but most delays come from missing documents and unresolved diligence findings.
PSA or LOI, rent roll, trailing 12 operating statements, capex plan, sponsor profile and liquidity evidence, and a stabilization model. Submit through Submit Your Deal.
Yes. Preferred equity can fill the equity gap while preserving senior lender comfort. The key is intercreditor alignment and a distribution waterfall that does not destabilize the senior credit.
A bridge loan closes when the file is lender-grade and the take-out is credible. If you want speed, treat underwriting as an engineering process: inputs, controls, downside cases, and a clean execution path.
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.
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request a quote
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book a paid telephone consultation.
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Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
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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