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Rates from 8% · Close in 7–14 Days · All 50 States

Fast Capital for
Commercial Real Estate

Bridge loans and construction financing built for serious CRE investors. Direct lender — no middlemen. Up to 75% LTV, interest-only available, min $2M.

Get a Soft Quote (307) 533-7712
No hard credit pull No income verification Term sheet in 24–48 hrs ⭐⭐⭐⭐⭐ 4.9 / 5 (127 reviews)

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$500M+
Loans Funded
1,200+
Deals Closed
50
States Licensed
4.9★
Client Rating

Loan Programs

Capital for Every Stage of the Deal

From ground-up construction to CMBS maturity defaults — we structure capital around your deal, not the other way around.

CRE Bridge Loans
Most Popular

Bridge Loans

Short-term CRE bridge financing for acquisitions, refinances, and value-add repositioning. Close in 7–14 days. Interest-only. No personal income verification required.

8–11%
Rate Range
≤75% LTV
Max LTV
7–14 days
Close Time
Bridge Loan Details →
Construction Loans CRE
Construction Focus

Construction Loans

Ground-up construction and major renovation financing with interest reserves, flexible draw schedules, and completion guaranties. We fund what banks won't touch.

9–12%
Rate Range
≤70% LTC
Max LTC
12–36 mo
Typical Term
Construction Loan Details →

DSCR Loans

Qualify on property cash flow, not personal income. No tax returns, no W-2s. Rates from 8%.

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SBA 7(a) & 504

Gov-backed financing up to $5.5M. Owner-occupied CRE, equipment, acquisitions. 10% down.

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Hard Money

Asset-based lending, close in 5–7 days. Fix-and-flip, land, construction. No income verification.

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Hotel PIP Financing

Bridge financing for mandatory franchise PIPs. Renovation holdbacks. Preserve your brand flag.

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Distressed CRE Rescue

CMBS maturity defaults, special servicing workouts, recapitalization. Speed when it matters most.

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Instant Rate Estimate

See estimated rates, LTV, and monthly payment in seconds. No sign-up. No credit pull.

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Simple Process

From First Call to Funded in 3 Steps

1

Get an Instant Rate

Use our live estimator — enter asset class and loan amount, get a rate range in 10 seconds. No registration.

2

Submit a Soft Quote

3-minute form. No hard credit pull. Describe your deal and we respond with a term sheet in 24–48 hours.

3

Close & Fund

Bridge loans close in 7–14 days. Direct lender — no committee delays, no middlemen. Your capital, on time.

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Closed Transactions

Recent Deals We've Funded

Hotel PIP Bridge
$13.5M

Orlando Hospitality Refinance

Midscale hotel facing mandatory $4.2M PIP with maturing $8.5M CMBS loan. Structured 80% LTC bridge with renovation holdback and $2.8M interest reserve. Post-renovation RevPAR increased from $54 to $78.

Location
Orlando, FL
Closed In
14 days
LTC
80%
Term
24 months
Construction Loan
$42M

Miami Multifamily — Ground-Up

312-unit Class A garden-style development in Miami-Dade. $31M hard costs, $5M soft costs. Structured with phased draws tied to milestones, 18-month interest reserve covering projected delays.

Location
Miami, FL
Units
312 Units
LTC
69%
Term
30 months
Distressed Bridge
$19.2M

Phoenix Office — CMBS Maturity

Class B office in Scottsdale facing CMBS maturity default. Occupancy at 71%. Bridge capital sourced in 18 days to avoid special servicing. Borrower subsequently stabilized and refinanced into permanent debt.

Location
Phoenix, AZ
Closed In
18 days
LTV
68%
Type
Rescue Bridge
DSCR Portfolio
$6.4M

Dallas Industrial Portfolio

4-property light industrial portfolio in DFW. Borrower self-employed with complex income structure. DSCR at 1.38x qualified without personal income docs. Closed all four properties in a single transaction.

Location
Dallas, TX
Properties
4 Assets
DSCR
1.38x
LTV
72%
Bridge Acquisition
$8.2M

Atlanta Multifamily Acquisition

72-unit value-add apartment complex in Atlanta. Seller required 21-day close — conventional financing impossible. Bridge loan closed in 11 days, allowing buyer to secure the property and execute $1.4M renovation plan.

Location
Atlanta, GA
Closed In
11 days
LTV
74%
Units
72
View Full Transaction History & Experience →

Advisory Services

Technology Advisory for the Modern Enterprise

Beyond capital — strategic technology advisory that helps financial institutions navigate the digital landscape.

Cybersecurity Advisory Services

Cybersecurity

Threat assessment, SOC buildout, SOC2/ISO 27001 compliance, incident response.

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Blockchain Advisory Services

Blockchain

Smart contracts, tokenized assets, DeFi strategy, distributed ledger implementation.

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Financial Analytics Advisory

Financial Analytics

Portfolio risk modeling, predictive underwriting, real-time data pipelines, BI dashboards.

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Generative AI Advisory Services

Generative AI

LLM integration, AI-powered underwriting, document automation, custom AI agent development.

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Client Reviews

What Borrowers Say

⭐⭐⭐⭐⭐ Rated 4.9 / 5 from 127 verified reviews

★★★★★
"

"Fintek Capital closed our $8.2M bridge loan in 11 days when three banks had already passed on the deal. Edwin's team understood the distressed asset angle immediately and structured it perfectly. Would not have gotten the property without them."

Marcus T.

Real Estate Developer · Houston, TX

★★★★★
"

"The construction loan structure they put together — with the 18-month interest reserve and phased milestone draws — protected us through a 45-day weather delay that would have defaulted any conventional loan. Their underwriting actually accounts for real-world risk."

Patricia W.

Multifamily Developer · Atlanta, GA

★★★★★
"

"We had a CMBS loan heading into special servicing. Fintek Capital refinanced us out in 21 days. I genuinely don't think any other lender could have moved that fast. Edwin's knowledge of the special servicer process was the difference."

James K.

CRE Owner · Miami, FL

★★★★★
"

"Their DSCR program let me add four industrial properties to my portfolio in six months without showing personal income. I'm self-employed — conventional lenders won't touch me. Fintek looked at the properties and said yes. That's what a real lending partner does."

David L.

Portfolio Investor · Dallas, TX

★★★★★
"

"Our hotel's franchise PIP was mandatory with a tight deadline. Jennifer Holloway structured a $13.5M bridge with renovation holdbacks that kept the project funded through every phase. RevPAR is up 44% since we completed. Fintek delivered on every commitment."

Robert S.

Hospitality Owner · Orlando, FL

Leadership

Experts Who've Closed the Deal

Decades of combined CRE lending, underwriting, and hospitality finance behind every transaction.

Edwin Masango

Managing Director

18+ years in CRE finance. Expert in hospitality bridge, CMBS maturity defaults, distressed recapitalization. $1.2B+ in closed transactions.

Bridge CMBS Distressed

"Bridge loans are essential for repositioning distressed properties, but loan-to-own is a bridge too far."

Sarah Collins

Senior CRE Underwriter

12+ years, 450+ transactions. Bridge, DSCR, hospitality, and construction across the Southeast and Sunbelt.

Construction DSCR Underwriting

"Interest reserves protect developers when construction delays push timelines beyond initial forecasts."

Daniel Mercer

Chief Investment Strategist

15+ years in CRE distress analysis, capital markets strategy, portfolio optimization across market cycles.

Capital Markets Risk

"Properties with stabilized cash flow and disciplined leverage will outperform through the cycle."

Jennifer Holloway

Director, Hospitality Finance

15 years in hotel bridge lending, PIP financing, distressed hospitality. $850M+ in transactions across FL and TX.

Hotel PIP RevPAR

"PIP budgets must align with the property's RevPAR trajectory — our holdbacks protect both parties."

Full Bios & Case Studies →

Market Intelligence

CRE Insights & Research

View All 23 Articles →
CRE Interest Rate Forecast 2026
Market Outlook

Navigating 2026 CRE Interest Rate Cycles: A Strategic Playbook

How investors should position their capital stack as rates stabilize and distressed opportunity emerges.

Daniel Mercer12 min read
CMBS Maturity Default Bridge Loans
Bridge Loans

Bridge Loans for CMBS Maturity Defaults: What Borrowers Need to Know

The 2026 wave of CMBS maturities is creating refinancing pressure. Here's how bridge capital preserves equity.

Edwin Masango15 min read
Construction Cost Inflation 2026
Construction

Construction Cost Inflation and Capital Stack Risk: What Developers Must Know

Rising material and labor costs are forcing developers to rethink contingency reserves and draw schedules.

Sarah Collins17 min read
DSCR Loan Guide

What is DSCR Financing? A Complete Guide for Investors

Sarah Collins · 10 min

 Refinance Special Servicing

How to Refinance a Property in Special Servicing (2026)

Edwin Masango · 18 min

 Hotel PIP Financing Guide

How Hotel PIP Financing Works: A Practical Guide for Owners

Jennifer Holloway · 14 min

FAQ

Common Questions

Quick answers — see the full list on our FAQ page.

Bridge loan rates at Fintek Capital range from 8% to 11% depending on asset class, LTV, location, and borrower experience. Multifamily and industrial typically qualify for the lowest rates (8.5–10.5%). Hotel and special-use assets typically range from 9.5–12%. Use our Loan Estimator for a real-time rate indication tailored to your specific deal.

Fintek Capital closes bridge and hard money loans in 7–14 business days. Hard money can close in 5–7 days. Our direct lending model eliminates committee delays and broker layers. Construction loans typically close in 14–21 days. SBA loans take 45–60 days.

No. Bridge, hard money, and DSCR loans at Fintek Capital do not require personal income verification. No tax returns, no W-2s. Qualification is based on the property's value, cash flow, and borrower experience. Ideal for self-employed investors and those with complex income structures.

Fintek Capital's minimum commercial loan size is $2,000,000. There is no stated maximum — we have funded transactions up to $50M+ and can structure consortium arrangements for larger deals.

Yes. Fintek Capital specializes in bridge refinancing for properties in special servicing or facing CMBS maturity defaults. Early engagement — before foreclosure proceedings begin — preserves the most options. The special servicer's objective is to maximize recovery, not necessarily foreclose. A credible capital solution presented early creates leverage to negotiate favorable terms.

View All FAQs →

Get in Touch

Ready to Close Your Deal?

Call us directly, send an email, or use the form. We respond within one business day and can issue a term sheet within 48 hours.

Wyoming HQ
1309 Coffeen Avenue STE 1200
Sheridan, WY 82801
Alabama Office
8603 Madison Blvd
Madison, AL 35758
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