Commercial bridge loans
Short-term capital between today and your permanent financing.
A bridge loan provides fast, short-term capital to close a deal or solve a cash-flow gap while you arrange permanent financing. Texas operators frequently use bridge loans to lock in commercial property purchases, fund renovations before stabilization, or cover gaps during business sales and acquisitions.
What financing typically looks like.
Ranges are indicative. Final structure depends on your business profile, lender criteria, and current market conditions.
- Loan size
- $100K to $25M
- Term length
- 6 to 36 months
- Typical rate
- 8% to 13%
- Time to fund
- 10 to 21 days
- Collateral
- Real estate or other hard assets
- Close on time-sensitive opportunities
- Faster underwriting than permanent loans
- Interest-only payments during the bridge period
- Refinance to long-term financing when ready
- Clear exit strategy (refinance or sale)
- Real estate or hard asset collateral
- Down payment or equity contribution
- Borrower experience in the asset class
Ideal use cases
Acquiring commercial property quickly, value-add renovations, business acquisitions, refinancing maturing debt.
Common questions about bridge loans.
How is a bridge loan exited?
Typically by refinancing into a permanent loan, selling the asset, or stabilizing cash flow to qualify for bank financing.
Are bridge loans interest-only?
Most are. Some include a small principal pay-down, but the structure prioritizes flexibility during the transition period.
What is a typical loan-to-value?
Bridge LTVs commonly run 65 to 75% on stabilized real estate, lower on value-add or transitional properties.
Ready to apply?
Talk with a Texas-based TCS advisor. Free consultation, soft credit check only, response within 24 hours.
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