When does commercial bridge make sense?

Three common scenarios: (1) Value-add acquisition where the property needs repositioning before it qualifies for permanent financing, (2) Lease-up stabilization where occupancy needs to reach 90%+ before agency/CMBS will take it out, (3) Quick-close opportunity where permanent financing would take too long.

What's the typical exit strategy for commercial bridge?

Bridge-to-permanent. Borrowers use 12–36 month bridge financing to reposition, then refinance into agency multifamily (Fannie/Freddie/HUD), CMBS, life company, or conventional commercial at permanent rates. Exit plan must be documented at bridge origination.

Investor & Bridge

Bridge

Commercial Bridge

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
Price range: $$

Short-term financing on commercial assets — value-add, lease-up, or transition to permanent.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (213) 880-8107

680

Min FICO

75%

Max LTV

Ideal borrower

Commercial investors on a value-add or repositioning play.

Program highlights

12–36 month term
Interest-only with extensions
Funds rehab/TIs
Exit to permanent (agency, life co, CMBS)

Typical uses

Value-add commercial acquisition
Lease-up stabilization

Frequently asked questions

When does commercial bridge make sense?: Three common scenarios: (1) Value-add acquisition where the property needs repositioning before it qualifies for permanent financing, (2) Lease-up stabilization where occupancy needs to reach 90%+ before agency/CMBS will take it out, (3) Quick-close opportunity where permanent financing would take too long.
What's the typical exit strategy for commercial bridge?: Bridge-to-permanent. Borrowers use 12–36 month bridge financing to reposition, then refinance into agency multifamily (Fannie/Freddie/HUD), CMBS, life company, or conventional commercial at permanent rates. Exit plan must be documented at bridge origination.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.