Bridge Loans fit lease up, capex execution, management fixes, or seasoning before permanent takeout. Lenders size to future DSCR, debt yield, and stabilized value. Leverage often ranges from 60 to 75 percent of value or cost when the plan and sponsorship are credible.
Hard Money is about speed and certainty. Asset value and equity cushion drive the decision more than income. It works for urgent acquisitions, partner buyouts, rescue capital, or unique collateral. Expect shorter terms, higher coupons and points, and lower leverage than bridge in many cases.
| Loan Type | Best Fit | Typical Term | Recourse | Prepay Flex | Leverage Guide | Notes |
|---|---|---|---|---|---|---|
| Bridge | Transitional assets and lease up | 12 to 36 months plus extensions | Partial or non recourse by deal | High | 60 to 75 percent LTV or LTC | Interest only, capex draws, business plan driven |
| Hard Money | Speed and collateral first | 3 to 18 months common | Often recourse or bad boy carve outs | High | 50 to 65 percent LTV typical | Higher rate and points, fast close when title and docs are clean |
| Construction | Ground up and major redevelopment | 24 to 48 months including lease up | Often recourse until completion or tests | Medium to high | 55 to 70 percent LTC | Draws by budget and inspections |
| Bank Permanent | Stabilized income property | 5 to 10 years, amortizing | Partial recourse common | Medium | 60 to 70 percent LTV | Step down prepay, relationship banking |
| Agency Multifamily | Qualifying apartments | 5 to 12 plus years | Non recourse | Medium to low | 65 to 80 percent LTV by program | Interest only options, program rules apply |
| CMBS | Stabilized across many types | 5 to 10 years, fixed | Non recourse | Low | 65 to 75 percent LTV | Defeasance or yield maintenance |
| Life Company | Prime assets and sponsors | 7 to 15 years, fixed | Non recourse | Low | 50 to 65 percent LTV | Tight structure and prepay |
| Mezzanine | Filling the proceeds gap | 2 to 7 years | N A | Medium | Stack to 80 to 90 percent of cost or value | Intercreditor with senior, tight covenants |
| Preferred Equity | Boost total proceeds without full dilution | 2 to 7 years | N A | Medium | Often similar stack to mezzanine | Cure rights and controls if tests fail |
| SBA 504 or 7(a) | Owner occupied business property | 10 to 25 years | Varies by program and bank | Medium | Higher total leverage with lower equity in | For operating companies, not investment property |
Property and Financials
Sponsor Package
Pricing follows the rate curve, leverage, asset quality, cash flow strength, and timing. Flexible money costs more but can save a deal that needs speed or heavy work. Cheap coupons with tight prepay can trap you. The right loan clears the closing and protects the exit.
Bridge is underwritten to a plan and future net operating income with institutional processes. Hard money is private capital that prioritizes speed and collateral with higher cost and shorter terms.
Yes through bridge or hard money. Lenders look at debt yield, equity in the deal, sponsor capability, and a credible timetable to stabilization or sale.
Fast when title, insurance, and entity documents are clean. Many private lenders can close inside one to two weeks when collateral and equity are clear and reports are limited.
Share the address, property type, business plan, equity, and timing. We reply with likely proceeds, structures, and the fastest clean route to close across bridge, hard money, construction, or permanent debt.
Contact UsFinancely acts as advisor and arranger on a best efforts basis. We are not a bank. All mandates are subject to KYC and AML, sanctions screening, credit approval, legal documentation, counterparty capacity, and applicable laws. Nothing here is a commitment to lend or an offer of securities. Terms vary by asset, jurisdiction, and documentary 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.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
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, engagement 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. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
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