Working Capital / Short-Term Financing
Owners with lumpy or seasonal sales · Companies waiting on customer invoices
Flexible funding to support day-to-day operations and cash flow needs.
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Commercial Financing
Bridge Financing
Short-term financing solutions to bridge gaps between transactions.
Bridge financing is a short-term loan that gets you from here to there — through a purchase, a renovation, or the months before a permanent loan is ready.
How it works
Permanent commercial debt wants a stable story: leased, performing, clean title, long runway. Real deals are often messy in the middle. A bridge loan is meant for that middle. It can close an acquisition quickly, fund a value-add plan, or replace a loan that is coming due while you finish leasing or wait on take-out financing. The term is short on purpose. The exit — sale, refinance, or stabilization — has to be believable on day one. We will not put a bridge on a property that has no path off of it.
Who this is for
- Buyers who need to close before permanent debt is ready
- Owners executing a renovation or lease-up
- Sponsors facing a maturity with a clear refinance plan
- Investors who need speed more than a 10-year term
What it typically covers
- Short-duration capital between two events
- Acquisitions and value-add plans
- A gap until take-out or sale
- A defined exit, not an open-ended hold
A simple example
You win a building at auction in 30 days. The permanent lender needs 90. A bridge can close the purchase; the permanent loan takes you out when underwriting is done.
Good to know
- Bridge money is more expensive than permanent debt. That is the price of speed and flexibility.
- If you cannot explain the exit in one sentence, it is not a bridge — it is a problem.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
Bridge loan vs. permanent CRE financing
When speed is the product, when a 10-year mortgage is the product, and what a clean exit looks like.
Read guide