Short-term financing for acquisitions, refinances, and value-add repositioning. Direct lender — no middlemen, no committee delays. Close in 7–14 days nationwide.
A commercial bridge loan is short-term financing that "bridges" the gap between an immediate capital need and a long-term financing solution. Typically 12–24 months, bridge loans allow CRE investors to move quickly on acquisitions, stabilize underperforming assets, or execute value-add strategies without waiting for conventional financing.
Unlike banks, Fintek Capital makes its own credit decisions — no loan committee, no waiting weeks for approval. We evaluate the property, the borrower's plan, and the exit strategy. If the deal makes sense, we close it.
Common Use Cases
Seller requires a quick close — 21 days or less. Conventional financing can't move that fast. Bridge capital closes in 7–14 days, letting you win competitive deals.
Acquire an under-occupied or distressed asset, execute your business plan, then refinance into permanent debt once stabilized at higher NOI.
Existing CMBS loan is maturing and permanent refinancing isn't ready. Bridge capital buys time to stabilize the asset and secure long-term financing.
Pull equity from a stabilized property quickly to fund another acquisition or capital improvement without waiting for a conventional appraisal cycle.
Fund mandatory franchise PIPs to preserve your brand flag. Renovation holdbacks released as work is completed and verified.
Special servicing workouts, note payoffs, bankruptcy exits. Speed and creative structuring when conventional capital has no answer.
Eligible Properties
| Asset Class | Max LTV | Rate Range | Typical Term |
|---|---|---|---|
| Multifamily | 75% | 8.5–10.5% | 12–24 mo |
| Industrial / Warehouse | 75% | 8.5–10.5% | 12–24 mo |
| Office | 70% | 9.0–11.0% | 12–24 mo |
| Mixed-Use | 70% | 9.0–11.0% | 12–24 mo |
| Retail / Shopping Center | 65% | 9.0–11.5% | 12–24 mo |
| Hotel / Hospitality | 65% | 9.5–12.0% | 12–24 mo |
| Land / Development Site | 50% | 10.0–12.0% | 12–18 mo |
Rates are indicative and subject to underwriting, appraisal, and market conditions at closing.
Submit a soft quote — 3 minutes, no credit pull. Term sheet in 24–48 hours.