Bridge Loans

A bridge loan exists to solve a timing problem. The opportunity is real, the property is sound, and the permanent financing will eventually be there — but not in the window you actually have. Bridge capital covers that gap.

Guardian Commercial Lending places bridge loans on non-conforming commercial real estate projects nationwide, secured by a first mortgage. We consider each borrowing relationship unique and structure the loan to suit the situation rather than pushing every file through the same template.

Indicative terms

Terms are indicative and vary with the property, the sponsor and the market at the time of quote. Nothing here is a commitment to lend.

What the proceeds can be used for

• Acquisitions, including properties that will not qualify for permanent debt in their current state
• Refinance of maturing or defaulted debt
• Upgrading and capital improvement work
• Repositioning an underperforming asset
• Cash out against existing equity

Related structures we place

• Real estate bridge loans
• Mezzanine real estate capital
• Joint venture equity participation
• Corporate working capital
• Debt restructuring

Property types

Retail, multi-family, office, industrial, hospitality and most income-producing commercial property. If the asset generates income and there is equity in it, it is worth a conversation.

How to make a bridge close on time

Fourteen to twenty-one days is achievable, but only when the file moves at that speed too. Have the existing loan documents, a current rent roll, the purchase contract and your entity documents ready before you apply. The lender's diligence can run fast; waiting on the borrower is what usually blows the date.

Guardian also places conventional commercial real estate financing in all 50 states, so if the bridge is a step toward permanent debt we can work on both ends at once.