Bridge Loans for Commercial Real Estate

Commercial real estate investors often face challenges in sourcing the right loan with the flexibility and speed required for specific investment strategies. At The Madison Group, we specialize in arranging alternative financing solutions from the nation’s top lenders, ensuring that you have access to optimal financing options to meet your short-term and long-term investment goals.

Bridge loans are often the ideal solution when timing is critical or when flexibility is required to bridge the gap between the current and future financing needs of a property. Whether you are acquiring, refinancing, or repositioning an asset, The Madison Group is your trusted advisor, offering a streamlined process and quick access to capital.

When a Bridge Loan is the Right Solution for Your Investment Goals:

• Acquisitions with Rehabilitation or Renovation Needs: Secure financing for properties that require rehab or improvements before securing long-term financing.
• Near-Completion Construction Projects: Financing for properties in the final stages of construction that need temporary funding until stabilized.
• Properties in Lease-Up: Financing for properties that are still in the process of leasing and need interim capital to bridge the gap.
• Repositioning Loans: Use bridge financing to reposition an asset, including physical improvements or tenant mix changes, until it is stabilized.
• Opportunity Loans & Partner Buyouts: Bridge loans for time-sensitive opportunities, such as acquiring distressed properties or buying out partners.
• Time Constraints on Traditional Financing: When there isn’t enough time to secure traditional financing, a bridge loan can fill the gap and provide immediate liquidity.
• Turned Down or Delayed Loan Applications: If your traditional loan application was rejected or delayed, a bridge loan can provide a solution while you work toward a more permanent financing option.
• Cross-Collateralization: When you need to use multiple properties as collateral to secure the necessary capital, a bridge loan may offer the flexibility to do so.
• Credit or Income Challenges: For situations where FICO scores, debt service coverage, unfiled tax returns, or silent partners may complicate traditional loan applications, bridge loans can offer a viable alternative.
• Turnaround or Stabilizing Cash Flow: For properties with fluctuating or stabilizing cash flow, bridge loans provide the financial flexibility to allow for property improvement or stabilization.
• Zoning or Project Approval Delays: If you are waiting for zoning or project approvals, a bridge loan can help you secure the necessary capital while you wait for the go-ahead.

Key Benefits of Bridge Loans:

• Fast and Flexible: Quick approval and closing, with a tailored loan structure that meets the specific needs of your investment.
• No Prepayment Penalties: Flexible loan terms allow you to pay off the loan early without penalties, should you secure long-term financing or sell the property.
• Short-Term Financing: Ideal for investors looking to secure quick financing with the intention to refinance or sell once the property has been stabilized or repositioned.
• Non-Recourse Options Available: For certain bridge loans, non-recourse options may be available, protecting your personal assets in the event of a default.
• Minimal Documentation: A streamlined application process with fewer requirements compared to traditional loans, saving you time and hassle.

Why Choose The Madison Group for Your Bridge Loan?

With over 20 years of experience in commercial real estate financing, we help our clients secure bridge loans when needed. Our team understands the urgency that often accompanies bridge financing, and we work quickly to evaluate your transaction and secure the most appropriate loan product to meet your needs. We assess your requirements based on key factors such as credit quality, collateral value, real estate experience, and your exit strategy.

We have successfully arranged bridge loans for a wide variety of property types, borrowers, and investment situations. Working with The Madison Group means saving time, minimizing risk, and gaining access to flexible terms that traditional financing sources may not offer.

Contact Us Today

Reach out to The Madison Group today and speak with one of our experienced commercial real estate financing experts. We’ll help you evaluate your options and secure the most effective bridge loan for your unique situation.