A bridge loan is short-term financing designed to get a property from where it is today to where it needs to be for long-term financing. Common reasons include vacancy, needed renovations, a fast-closing acquisition, a maturing loan, or a business plan that hasn't produced stabilized income yet.
Bridge capital typically comes from private lenders and debt funds, and structures vary widely. I review each scenario personally, then with one of NEXA Lending's in-house commercial lenders. NEXA Lending's access to a large network of commercial lenders helps us compare bridge options and plan the exit early.
Common uses
- Acquisitions that need to close quickly
- Value-add renovation and repositioning
- Lease-up of vacant or underperforming space
- Paying off a maturing loan while a refinance is arranged
- Properties not yet eligible for permanent financing
What lenders typically review
- The business plan and timeline
- As-is and projected (stabilized) value
- Renovation budget and scope
- Sponsor experience with similar projects
- The exit: refinance or sale
How I work your bridge loans request
Here's how I work on every request. You send the basics: property or business, location, amount, and purpose. I personally review the scenario and ask whatever follow-up questions are needed to understand it properly. Then I review it with one of NEXA Lending's in-house commercial lenders, and together we look at realistic options. NEXA Lending provides access to a large network of commercial lenders, so the search isn't limited to a single bank's appetite.
You'll get a straight answer on what looks workable and what doesn't. If we move forward, I stay involved and work with the in-house lender and with you through closing. There is no cost or obligation to submit a scenario, and nothing on this page is an offer or a commitment to lend. Pricing and terms depend on the property, the borrower, and the market at the time.
Questions about bridge loans financing
How is a bridge loan repaid?
Usually through a refinance into longer-term financing or a sale once the business plan is complete. A realistic exit plan is central to the request.
Are bridge loans only for commercial property?
They're used across multifamily, retail, office, industrial, hospitality, and some residential investment properties.
Nationwide lending, local office
We finance commercial deals nationwide, in states where NEXA Lending can legally fund. My office is in Kirkland, Washington, and I also work closely with borrowers across Washington, including Seattle, Tacoma. Send the details and I'll confirm how your state and property fit.
Submit your deal
Send the basics and I'll review them personally. No cost or obligation.
