Commercial Bridge Loans · New York
Commercial bridge financing for NYC Metro real estate.
Direct Commercial Bridge Lender
Capital for the gap between opportunity and stabilization.
A commercial bridge loan will fill the gap when a commercial property must close more quickly than a bank or agency lender. Benchmark Bridge Capital offers commercial bridge financing to both sponsors & operators in an acquisition, reposition or stabilization of commercial real estate in New York, built around the deal, not the conventional application process.
We are a direct commercial bridge lender and underwrite the asset first. This will help speed up the answers, reduce the number of scenarios, and create a closing timeline designed for competitive commercial transactions, whether it’s a value-add multifamily acquisition or repositioning on a partially occupied retail strip.
Use Cases
Built for transitional commercial situations.
All of the deals below have one common element; the property simply isn’t ready for permanent financing, and the opportunity won’t wait. That’s the purpose of commercial bridge loans.
Acquisition-to-Stabilization Gap Funding
Acquisition
Buy an asset that is not stabilized, follow your business plan, and refinance it into permanent debt as soon as it is stabilized or once NOI/occupancy is there to support it.
Value-Add Repositioning
Repositioning
When the rent roll has not yet adopted to a renovation, re-tenanting or repositioning plan for commercial property.
Time-Sensitive Closings
Timing
Easily transition to a competitive commercial listing on a compressed timeline, not offered by conventional or agency underwriting.
Lease-Up & Occupancy Bridge
Lease-Up
Bridge financing if the house is between renters to avoid a fast refinance that might not be necessary until the house is ready for it.
Payoff & Recapitalization
Recapitalization
Clear out an aging debt, finalize a lender arrangement or give yourself time to find life-long financing.
Light Rehab & Capital Improvements
Partial Improvement
Apply targeted funds to capital improvement projects that will support an increase in valuation or income stream after the improvement.
Loan Parameters
Commercial deal-specific loan amounts & terms.
Numbers are based on our commercial scope of bridge lending. Check live rates and structuring on a deal-by-deal basis prior to publishing/quoting.
PARAMETER
Commercial Bridge Terms
Loan Amount
$1,000,000 to $50,000,000+
Max Loan-to-Cost (LTC)
Up to 75%
Property Types
Multifamily, mixed-use, office, retail, industrial, special purpose
Term Length
12 to 24 months, extension options available
Interest Structure
Interest charged on outstanding balance; interest-only during term
Eligible Borrowers
LLC and corporate entities only — no owner-occupied residential
Recourse
Structured per deal, evaluated on asset and sponsor strength
Geography
Nassau County, Suffolk County, NYC Metro
Underwriting Criteria
Asset-based. Deal-first. Built for LLC borrowers.
Asset-Based Evaluation
We only underwrite the business plan, condition, and value of the property; not personal tax returns or W-2 income.
LLC & Corporate Borrowers Only
All commercial bridge loans are made to LLC and corporate entities for business and investment purposes, and no residential financing is done for owner-occupied property.
Exit Strategy Review
We search for a viable exit strategy: a plan that brings the asset to the next level of financing, whether it be refinancing, selling or stabilizing.
Sponsor Experience
A history of similar commercial deals reinforces terms in your favor, but it is not the only factor in favor of approval.
Property Type & Market
The location, tenancy and asset class is compared with the stabilization timeline of the deal.
Bridge vs. Permanent Financing
Two tools for two stages of a deal.
A commercial bridge loan and a commercial loan for permanent financing are addressing different problems. Most sponsors employ both – one after the other – over the life of an asset.
| Feature | Commercial Bridge Loan | Permanent Commercial Financing |
|---|---|---|
| Purpose | Acquisition, transition, repositioning | Long-term hold on a stabilized asset |
| Underwriting Basis | Asset value & business plan | In-place income & sponsor financials |
| Typical Term | 12 – 24 months | 5 – 30+ years |
| Speed to Close | Days to a few weeks | Typically 60 – 90+ days |
| Property Condition | Transitional, vacant, or under-stabilized | Stabilized, leased, cash-flowing |
| Best Used When | Timing matters more than rate | Rate and long-term hold cost matter most |
Frequently Asked Questions
Commercial bridge loans, answered directly.
What is a commercial loan?
A commercial bridge loan is a short-term loan to help an investor get a commercial property before it’s ready for permanent financing or as a way to reposition or stabilize a commercial property. It “bridges” the gap between a purchase or transition and a longer-term loan, and is usually not based on the borrower’s personal financials, but on the asset.
What is the speed at which I can close on a commercial bridge loan?
Commercial Bridge Loans will typically close in a few weeks, as opposed to months, and are asset-based, meaning that they are based on the assets of the borrower. This will vary according to various factors, including the property, the documentation and the complexity of the deal.
What are the types of properties that can be used as a commercial bridge loan for?
Bridge financing is available for multifamily (5+ units), mixed-use, office, retail, industrial, self-storage and other special-purpose commercial properties throughout Nassau County, Suffolk County and the NYC Metro area.
Who can borrow from a commercial bridge lender, such as Benchmark Bridge Capital?
All commercial loans are originated on the LLC/corporate level for commercial and investment purposes. We don’t provide residential owner-occupied mortgage loans.
What are the consequences of the end of the bridge loan?
Most borrowers will come out of a commercial bridge loan through a re-financing to permanent commercial financing when the property is stabilized, or by selling the property. Underwriting includes a review of your exit.
READY TO MOVE?
Let's Build Your Financial Bridge Today.
Contact us to discuss your next loan or investment opportunity.
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