Commercial Bridge Loans

In Need of Commercial Bridge Financing?

Commercial Bridge Loans for Your Short-Term Real Estate Opportunities

When we talk about bridge loans we are normally talking about opportunity costs with commercial real estate. There is an opportunity that exists and we want to jump on it while it is still available before someone else does. We may also be talking about a scenario in which we have to bridge a gap between where you are right now and where you want to go. Hence the term “bridge loan”.

Banks usually look at the last three years of financials to see if there is proper cash-flow and collateral needed to fulfill their lending requirements for a project. When the financials are not currently sufficient or have not been sufficient for a long enough time period to appease the bank this will usually result in a turn-down. This is exactly why “bridge” financing exists and where we come in.

Bridge Loans Offer More Opportunities!

Bridge financing is available for those commercial real estate opportunities that come around when there might not be sufficient cash-flow and the property or business is not what we call “performing”. Basically “performing” means that the investment or business has enough cash coming in currently to pay the debt and other expenses associated with it. Banks only lend on “performing” properties or businesses. You have to prove to them through financial statement (usually tax returns) that your investment or business is performing before they even consider the commercial loan.

Non-performing or under-performing investments or businesses do not have sufficient cash-flow currently and require another type of financing which we would call “Bridge Financing”. This is money used to transform an investment or business from non-performing status to performing status and within a short period of time.

It is usually interest-only and for a time period of six months to three years because it is only intended to be a short-term solution. The commercial real estate investor or business owner can then secure long-term financing once the project is sufficiently cash-flowing, going from “non-performing” status to “performing status”.

3 Easy Steps to Secure a Bridge Loan

Bridge Financing Through ICA is the Solution

Quick & Easy Application

Fill out our short online application or call 847-644-8085 today!

Get Approved FAST

Unlike the banks, we aren’t paid by the hour. We underwrite your file quickly and don’t waste time on term sheets.

Close Quickly

Once we obtain all the necessary documentation we start the closing process right away.

Let's Discuss Your Opportunity

Commercial Bridge Loan Success Stories

Fix & Flip Bridge Loans For An Out-Of-State Investor Purchasing An 8-Unit Building

Fix and flip bridge loans have helped many out-of-state investors looking to purchase multi-unit properties like our client. This investor was used to doing deals with US Bank on multi-family properties across the country. However, since the pandemic, US Bank has stopped this practice. He wanted to purchase an 8-unit ...

Auto Repair Business With Nowhere To Go Until We Got Him A Bridge Loan

The owner of an auto repair business in Highland Park, IL whose lease was up soon, was sick of paying rent and found a nice building to purchase down the street. He went to his bank to get a loan and everything was going along fine. However, one day the ...

$425,000 Working Capital Loan to Aerospace Company in Second Position!

Our client owned an aerospace machine shop that had just been awarded a very lucrative government contract. He now needed the funds to purchase materials and pay the labor force while waiting for initial payment from the government. He went to his bank who he received his SBA loan from ...