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Commercial Bridge Loans

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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 800-975-1691 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.

Commercial Bridge Loan Success Stories
$1.95 Million Development Refinance in Michigan

$1.95 Million Michigan Development Refinance

Our Client had an expensive bridge loan that he used to rehab this multi-family building in Michigan. He had been searching for someone that could get him an 80% LTV on his development for a while. The cash-flow was currently only allowing him to borrow around 75%. However, he needed ...
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$1.83 Million Bridge Loan On A Salvage Yard Closed | Ivanhoe Capital Advisors

$1.83 Million Bridge Loan On A Salvage Yard Closed!

Our borrowers were in desperate need of rehab money for another project they were trying to complete unrelated to this property. They had an existing loan of $1 million on this salvage yard and needed an additional $800K. Salvage yards are not the easiest properties to finance due to all ...
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bridge loan closed for charter business

The Captain Keeps His Property and Gets His Yacht!

My clients just had some bad timing when it came to having the issues they had. They had some IRS issues along with some credit issues, mixed in with some liquidity issues (they were cash-poor). At the same time, their note with the bank for their 8 unit building was coming ...
Read More
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