Short-Term Capital When Speed Matters
Commercial bridge loans for acquisitions, value-add repositioning, and lease-up periods. 6–36 month terms with permanent takeout options.
$500K–$25M
Loan range
6–36 mo
Term length
Interest Only
Payment structure
Fast Close
Execution
Overview
What Is a Commercial Bridge Loan?
A commercial bridge loan is short-term financing designed to 'bridge' the gap between an immediate capital need and a long-term financing solution. These loans are used for time-sensitive acquisitions, value-add renovations, lease-up periods, and situations where traditional commercial mortgage timelines don't work.
Bridge loans are typically interest-only with terms of 6 to 36 months, providing maximum flexibility during the business plan execution period. Once the property is stabilized — renovated, leased up, or repositioned — you refinance into permanent commercial financing.
Lumen Mortgage structures commercial bridge loans around your specific exit strategy, whether that's a permanent takeout loan, a sale, or a recapitalization. We move fast because bridge deals are time-sensitive by nature.
Who This Is For
Key Features
What Makes This Program Work
Fast Closings
Commercial bridge loans are designed for speed. We can close significantly faster than traditional commercial mortgages when deal timing is critical.
Interest-Only Payments
Maximize cash flow during the business plan period with interest-only payment structures — no principal amortization during the bridge term.
Flexible Exit Strategies
Refinance into permanent debt, sell the asset, or recapitalize — we structure around your specific exit plan.
Up to 80% LTV
Bridge loans can reach 70–80% of as-is value depending on the asset, sponsor experience, and business plan.
Value-Add Friendly
Fund renovations, tenant improvements, and repositioning strategies with draw-based or holdback structures.
6–36 Month Terms
Short-term capital with extension options available for deals that need additional time to execute the business plan.
Underwriting Tool
Commercial Loan Calculator
Model debt service, DSCR, cap rate, and debt yield on any commercial deal instantly.
Commercial Loan Calculator
CRE Debt Service & NOI Analyzer
Loan Details
Loan-to-Value
57.1%
Equity
$1,500,000
Interest-Only
This property's NOI provides strong debt service coverage. Expect favorable pricing, terms, and LTV flexibility.
Cap Rate
7.25%
Debt Yield
12.70%
Monthly Cash Flow
+$8,517
Annual
+$102,204
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $22,355 | $129,342 | $1,977,645 |
| 2 | $23,852 | $127,845 | $1,953,794 |
| 3 | $25,449 | $126,247 | $1,928,345 |
| 4 | $27,153 | $124,543 | $1,901,191 |
| 5 | $28,972 | $122,724 | $1,872,220 |
| 6 | $30,912 | $120,784 | $1,841,307 |
| 7 | $32,982 | $118,714 | $1,808,325 |
| 8 | $35,191 | $116,505 | $1,773,134 |
| 9 | $37,548 | $114,148 | $1,735,585 |
| 10 | $40,063 | $111,633 | $1,695,523 |
| 11 | $42,746 | $108,950 | $1,652,777 |
| 12 | $45,609 | $106,088 | $1,607,168 |
| 13 | $48,663 | $103,033 | $1,558,505 |
| 14 | $51,922 | $99,774 | $1,506,582 |
| 15 | $55,400 | $96,297 | $1,451,183 |
| 16 | $59,110 | $92,587 | $1,392,073 |
| 17 | $63,069 | $88,628 | $1,329,005 |
| 18 | $67,292 | $84,404 | $1,261,712 |
| 19 | $71,799 | $79,897 | $1,189,913 |
| 20 | $76,608 | $75,089 | $1,113,306 |
| 21 | $81,738 | $69,958 | $1,031,568 |
| 22 | $87,212 | $64,484 | $944,355 |
| 23 | $93,053 | $58,643 | $851,302 |
| 24 | $99,285 | $52,411 | $752,017 |
| 25 | $105,934 | $45,762 | $646,083 |
| 26 | $113,029 | $38,668 | $533,054 |
| 27 | $120,599 | $31,098 | $412,456 |
| 28 | $128,675 | $23,021 | $283,781 |
| 29 | $137,293 | $14,403 | $146,488 |
| 30 | $146,488 | $5,209 | Paid off |
| Total | $2,000,000 | $2,550,890 | paid off |
For illustrative purposes only — not a loan commitment or term sheet. Commercial underwriting varies by property type, market, and borrower profile. Contact a Lumen Mortgage commercial specialist for a formal analysis. NMLS #1498678.
Requirements
Commercial Bridge Loans Qualification Guidelines
Note: Guidelines vary by property type, market, and deal structure. Contact our commercial team to discuss your specific deal — we issue preliminary term sheets within 24–48 hours at no cost.
Ready to Move Forward?
Term sheets within 24–48 hours
Our commercial mortgage specialists will review your deal and issue a preliminary term sheet outlining rate, LTV, term, amortization, and key conditions — at no cost and no obligation.
Call 503-966-9255NMLS #1498678 · No cost, no obligation
From the Blog
Further Reading
Bridge LoansBridge Loans: Buy Your Next Home Before Selling Your Current One
In a competitive market, waiting to sell before you buy can cost you the home you want. A bridge loan lets you make a non-contingent offer using your existing equity — here's how it works.
CommercialCommercial Cash-Out Refinance: How Savvy Investors Tap Equity to Renovate, Rehab, and Expand Their Portfolios
Your commercial property has probably appreciated more than you think — and a cash-out refinance lets you put that equity to work without selling the asset. Here's how smart investors use low-cost, already-owned equity to fund renovations, rehab value-add properties, and grow their CRE portfolios in 2026.
InvestmentSpec Construction Loans in Oregon & California: Strategy, Qualification, and the Profit Calculus in 2026
Building on speculation is one of the highest-leverage plays in residential real estate — and one of the most misunderstood. Here is a ground-level look at how spec construction loans work, what lenders actually underwrite, and why the Oregon and California markets still reward disciplined builders.
Common Questions
Commercial Bridge Loans FAQs
Answers to common questions about commercial bridge loans financing.
What Our Clients Say
Five-Star Reviews from Real Borrowers
All reviews verified on Google
Ready to Finance Your Commercial Bridge Loans Deal?
Our commercial mortgage specialists respond within 1 business day with a preliminary term sheet tailored to your property type, deal structure, and investment goals.
NMLS #1498678 · Nationwide Commercial Lending · No cost, no obligation