Loan Program
Fast, flexible hard money financing for commercial bridge loan opportunities. We structure terms for speed, clarity, and execution.
Commercial bridge loans provide essential short-term financing for business owners and investors acquiring, refinancing, or repositioning commercial real estate in Miami's thriving business environment. These specialized loans address the timing gaps that frequently occur in commercial transactions, where opportunities demand immediate action but permanent financing requires extended underwriting timelines.
The Miami commercial real estate market encompasses diverse property types including office buildings, retail centers, industrial warehouses, mixed-use developments, and hospitality properties. Each sector presents unique financing challenges that bridge loans effectively address. Whether acquiring a distressed property requiring renovation, refinancing maturing debt, or capitalizing on time-sensitive acquisition opportunities, commercial bridge financing delivers the speed and flexibility that traditional commercial mortgages cannot match.
Business owners across Miami-Dade County leverage commercial bridge loans for various strategic purposes. Entrepreneurs expanding operations use bridge financing to secure larger facilities before selling existing locations. Investors acquire value-add properties requiring rehabilitation before qualifying for permanent financing. Developers bridge construction phases between project completion and lease-up stabilization. In each scenario, bridge loans provide the temporary capital necessary to execute business strategies without waiting for lengthy traditional loan approvals.
The competitive nature of Miami's commercial market makes bridge financing increasingly valuable. Quality commercial properties attract multiple qualified buyers, and sellers typically favor offers with quick closing capabilities and minimal contingencies. Bridge loan pre-approval enables buyers to present compelling offers that stand out from competitors relying on conventional financing timelines.
Commercial bridge loans serve multiple business purposes throughout Miami's diverse commercial landscape. Property acquisition represents the primary application, enabling investors and business owners to purchase office buildings, retail centers, industrial facilities, and specialty properties quickly. This speed advantage proves crucial when distressed assets hit the market, foreclosure auctions present opportunities, or motivated sellers require fast closings.
Value-add and rehabilitation projects frequently require bridge financing during renovation phases. Properties needing significant improvements typically don't qualify for permanent financing until renovations are complete and income stabilization is demonstrated. Bridge loans fund acquisition and construction costs, then convert to permanent financing once the property achieves stabilized cash flow. This structure allows investors to capitalize on properties that conventional lenders won't touch.
Debt refinancing applications help business owners address maturing loans, balloon payments, or unfavorable existing terms. When permanent financing cannot be arranged before existing debt matures, bridge loans prevent default and provide time to secure optimal long-term solutions. This application proves particularly valuable during credit market disruptions when traditional commercial lenders tighten standards or extend processing timelines.
Lease-up stabilization financing supports newly constructed or repositioned commercial properties that haven't yet achieved target occupancy levels. Bridge loans provide operating capital during the critical period between construction completion and full lease-up, covering debt service and operating expenses until rental income reaches permanent financing requirements. This transitional funding prevents cash flow crises during lease-up phases.
Commercial bridge financing presents distinct challenges compared to residential lending. Property valuation complexity tops the list, as commercial assets require specialized appraisal approaches considering income potential, tenant quality, lease terms, and market conditions rather than simple comparable sales analysis. This complexity extends appraisal timelines and can create valuation gaps between buyer and lender perspectives.
Environmental and physical property assessments often reveal issues that complicate financing. Phase I environmental assessments may identify contamination requiring Phase II investigation, while physical inspections can uncover structural deficiencies, code violations, or deferred maintenance requiring remediation before closing. These discovery processes add time and uncertainty to bridge loan timelines.
Tenant-related risks create additional underwriting complexity. Bridge lenders evaluate existing lease terms, tenant creditworthiness, and rollover schedules to assess income stability. Properties with short-term leases, weak tenant covenants, or significant near-term expirations face greater scrutiny and potentially less favorable terms. Understanding these tenant dynamics requires sophisticated commercial real estate expertise that many lenders lack.
Our commercial bridge loan program combines real estate expertise with streamlined processing to deliver financing solutions that match Miami's fast-paced commercial market. We maintain dedicated commercial underwriting staff who understand property-specific cash flow analysis, market dynamics, and value-add potential. This expertise enables quick preliminary assessments and efficient full underwriting processes.
We structure each bridge loan to align with the borrower's specific business strategy and property characteristics. Loan terms, including duration, interest reserves, and release schedules, are customized to support the underlying business plan rather than forcing borrowers into rigid predetermined structures. This flexibility accommodates diverse property types and transaction scenarios while maintaining appropriate risk management.
Our relationship network includes commercial appraisers, environmental consultants, and property inspectors familiar with Miami's commercial building stock and regulatory environment. These connections facilitate rapid due diligence completion without compromising thoroughness. We coordinate seamlessly with borrowers' legal counsel and other advisors to ensure smooth closings that meet transaction timelines.
Miami's commercial real estate landscape spans diverse submarkets from Downtown Miami's office towers to Hialeah's industrial parks and Wynwood's creative retail spaces. Our commercial bridge lending reflects deep familiarity with these varied markets, their tenant bases, and their distinct risk profiles. We understand what drives value in each Miami commercial submarket.
We provide bridge financing for virtually all commercial property types including office buildings, retail centers, shopping plazas, industrial warehouses, self-storage facilities, hospitality properties, mixed-use developments, and specialty commercial assets. Property condition and location affect terms, but we consider both stabilized and value-add opportunities across Miami-Dade County.
Commercial bridge loans typically range from $250,000 to $10 million, with loan amounts based on property value, cash flow potential, and overall transaction structure. Loan-to-value ratios generally range from 65% to 75% of as-is value, though higher leverage may be available for strong sponsors with compelling business plans. We evaluate each opportunity individually to determine appropriate financing levels.
Required documentation includes property financial statements, rent rolls, lease agreements, environmental reports, property condition assessments, and borrower financial statements. We also require business plans describing the intended use of proceeds and exit strategy. While documentation requirements are substantial, we streamline the process through experienced processing staff and clear communication about requirements.
Yes, we offer construction bridge financing for ground-up commercial developments, though terms differ from acquisition bridge loans. Construction bridge loans typically involve milestone-based fund releases, interest reserve requirements, and completion guarantees. Loan amounts consider construction costs, land value, and projected stabilized value. These loans bridge the period from groundbreaking to lease-up and permanent financing.
Acceptable exit strategies include sale to third-party buyers, refinancing with permanent financing through banks, life companies, or conduit lenders, and lease-up stabilization followed by long-term financing. We evaluate exit strategy feasibility as part of underwriting, considering market conditions, property characteristics, and sponsor track record. Clear, achievable exit strategies are essential for bridge loan approval.