Bridge Loans

A seller wants a 21-day close. A partner needs to be bought out. A note matures in six weeks. A building is 60% occupied and no bank will look at it until it's 90%.

Bridge debt exists for exactly these moments. The only thing that matters is whether the lender can actually perform on the date they promised.

I've closed bridge debt up to $10M on Beacon Hill multifamily and $6M+ refinances in Cambridge — deals where the close date wasn't negotiable.

• Buyers competing against cash offers
• Owners pulling equity out to fund the next acquisition
• Sponsors refinancing a maturing loan
• Value-add plays that need 12–24 months to stabilize
• Anyone whose bank said yes, then said "another 45 days"

Loan size: $250K – $50M+

Leverage: Up to 80% LTV

Term: 6–36 months

Rate: 7%+

Amortization: Interest only

Close: As fast as 10 days

Property types: Residential investment, multifamily, retail, office, industrial, mixed-use, land

Uses: Purchase, refinance, cash-out, rehab, partner buyout, discounted payoff

No credible exit. Bridge lenders underwrite the takeout, not the bridge. If you can't show what pays them off — a sale, a refi at a DSCR they believe, a lease-up to a real number — leverage drops fast. We build the exit case into the submission.

Third-party delays. Appraisal, title, environmental, survey. On a 14-day close these get ordered day one or the close slips. I order in parallel, not in sequence.

A rate quote that isn't a rate lock. Some shops quote to win the deal and re-trade at the finish line. I know which ones. You won't be sent there.