Senior secured bridge loans for commercial real estate acquisitions, repositioning, and lease-up. H Equities provides first mortgage bridge financing from $5MM to $50MM with interest-only structures and flexible terms of 12 to 36 months across all major asset classes nationwide.
Overview
A commercial real estate bridge loan is a short-term, first mortgage loan secured by the property itself. Bridge loans are designed to "bridge" the gap between an immediate financing need and a longer-term solution such as permanent financing, sale, or recapitalization. They are senior in the capital stack, meaning they are repaid first in any liquidation event, and are typically structured as interest-only with terms ranging from 12 to 36 months.
Bridge loans are used when conventional permanent financing is not available or practical. Common scenarios include acquiring a property that needs lease-up or renovation before it qualifies for agency or CMBS debt, completing a value-add business plan, or providing fast-close capital for a time-sensitive acquisition. Because bridge lenders underwrite to a business plan rather than in-place cash flow alone, they can move faster and structure around situations that traditional lenders cannot.
H Equities originates first mortgage bridge loans from $5MM to $50MM across all major commercial real estate asset classes including multifamily, office, retail, industrial, mixed-use, and hospitality. Our bridge loans are interest-only, with flexible prepayment and extension options structured to match each sponsor's business plan and timeline.
Key Parameters
Use Cases
Fast-close financing for acquisitions where timing is critical and conventional financing is too slow or unavailable. Control the deal now, refinance into permanent debt once stabilized.
Finance the acquisition and renovation of a commercial property that does not yet qualify for permanent debt. Bridge the gap while executing a capital improvement plan to increase NOI.
Properties with significant vacancy that need time to execute a leasing strategy before qualifying for permanent financing. Bridge financing provides the runway to fill the building.
Short-term financing designed to be replaced by permanent, lower-cost debt once the property meets underwriting criteria for agency, CMBS, or bank financing.
Process
Send us the property details, business plan, and capital stack. We respond with initial feedback within 24 hours.
We issue a term sheet outlining loan amount, rate, term, and structure. Upon execution, we begin formal underwriting including third-party reports.
We complete property inspection, appraisal review, title, and legal documentation. Typical closing in 2 to 4 weeks from term sheet execution.
Draw on your loan, execute your value-add or lease-up strategy, and refinance into permanent debt or sell the stabilized asset.
FAQ
A CRE bridge loan is a short-term, first mortgage loan on a commercial property designed to bridge the gap between an immediate financing need and a longer-term capital solution. Bridge loans are typically 12 to 36 months, interest-only, and secured by a first lien on the property.
H Equities can close a bridge loan in as few as 2 to 4 weeks from term sheet execution, depending on deal complexity and third-party report availability. Time-sensitive transactions can be prioritized for faster execution.
Bridge loan rates vary based on property type, location, leverage, sponsorship strength, and market conditions. Rates are typically higher than permanent financing to reflect the shorter term and transitional nature of the collateral. Contact us for current pricing on your specific deal.
A bridge loan is a short-term, interest-only loan designed for transitional situations, while a permanent loan is a long-term, fully amortizing loan for stabilized properties. Bridge loans offer faster closing and more flexible underwriting but carry higher rates. The typical strategy is to use a bridge loan during the value creation phase and refinance into permanent debt once the property is stabilized.
H Equities provides bridge loans across all major commercial real estate asset classes including multifamily, office, retail, industrial, mixed-use, and hospitality properties located throughout the United States.
Most bridge loans require some form of guaranty, typically including completion or carve-out guarantees. The specific guaranty structure depends on the deal, the sponsor, and the loan-to-value ratio. Non-recourse structures with standard carve-outs are common for experienced sponsors.
Yes. Bridge loans are specifically designed for transitional properties, including those with significant vacancy. The loan is underwritten to the sponsor's business plan and the property's stabilized value rather than in-place cash flow alone.
Send us the property, the business plan, and the capital stack. We respond fast with real numbers.