Commercial Bridging Loan:
A Plausible Solution For Temporary Cash Flow Problems


By definition, a commercial bridging loan is a short term secured loan, made to business owners or investors who need financing quickly, and/or for a short period of time. This money can be used to purchase commercial property, as a cash infusion to the business.


They can also be used to pay for expansion, new equipment, or renovation. A bridge commercial loan is secured, and the borrower has to offer property as collateral at least equal to the size of the loan requested as security. The amount that can borrowered is largely dictated by the value and equity of the collateral.


Because a bridge commercial loan is a short term loan, lenders usually charge a higher interest rate. Were it not for the higher interest rate, lenders wouldn't stand to make as much money since the loan will be repaid in a short period of time.


The length of a bridge commercial loan can range from a few months up to a year and a half. In some cases, no monthly payments are made, but rather the entire loan, plus interest, is paid in full when the loan is redeemed.


Additional Commercial Bridging Loan Facts


Other factors that can determine interest rates are credit history. Although a bridge commercial loan is securitized against other commercial assets, your credit history will also affect both your interest rate, as well as the amount of loan you can qualify for.


With a good credit history, and a high appraisal for your collateral, you can qualify for a large bridge loan. The opposite is also true.


Commercial bridging loans can usually be approved rather quickly, since the loan is both short term, and it is securitized by other commercial property. A borrower just needs to make sure that they offer sound and reasonable means to repay the loan.


Private Investor Financing For
A Bridge Commercial Loan

While traditional banks are still a primary funding source, banks are approving fewer loans these days. An economic turn down over the last few years, and tighter, more stringent credit restrictions make banks a less attractive option.


On the other hand, private investors have stepped into this funding void, and are approving more bridge commercial loans.


Because private investors lend according to their own credit guidelines, they often approve loans much quicker than banks. Where banks can take weeks or months to fund a loan, private investors can close a loan inside 30 days, or less!



Let Business Funding Advisors Approve Your Commercial Bridging Loan


Business Funding Advisors is very experienced in providing commercial bridging loans to our clients. Because we work with private investors, we have money available to lend when traditional banks do not.


Although not complete, here is a partial list of the types of projects that we can finance:


  1. - All Credit Tiers (including subprime)
  2. - Accounts Receivable Financing
  3. - Commercial Loans
  4. - Mezzanine Financing

- Bridge Loans

- Business Lines of Credit

- Construction Loans

- 2nd chance customer financing (500 FICO minimum)

- Working Capital Loans



If you need a commercial bridging loan for your business, fill out our quick form below. We will contact you within 24 hours.


QUICK COMMERCIAL LOAN APPLICATION


We provide FREE, no obligation evaluations, with no upfront costs, or expensive fees for approval to our private lender programs.


- Minimum loan amounts (for commercial building projects): $100K with no maximum.


(Loans approved for commercial only, not single-family residential projects.)


- No pre-payment penalties on programs offered.


We will respond to your loan application within 24 hours!


Commercial Loan App

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Commercial bridging loans are available in:



Merchant Cash Advance and

Working Capital Loan Programs

are available in:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


Commercial loans are available in:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,

 Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


COMMERCIAL LOAN PROGRAM HIGHLIGHTS


Commercial Real Estate Programs

· Lending Area: Nationwide & International


· Loan Size: $100,000-no maximum


· Rates as low as 3.74%

· up to 90% LTV


APPLY HERE

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Commercial Development & Construction Loans

· National & International


· $2MM-$50MM


· Interest Rate: 5-9% Fixed (1% for churches)


· Amortization: up to 25 years


· Zero fees


· Points: Up to 3%, paid at closing


· Term: 5 yrs; also can structure a construction to permanent loan with interest only during draw down periods.


APPLY HERE

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Hard Money Loans Rates and Criteria:

· Loan Size: $100K-$100MM


· Lending Area: National & International


· Collateral: We lend to mainly on commercial real estate, including raw land and development projects


· Interest Rates: 7-14% (rates depend on collateral)


· Amortization: Interest only


· LTV: Up to 80%

· Origination Fee: 1-4%

· Closing time: 1 week to 30 Days


APPLY HERE

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Bridge Loans

· Loan Size: $1MM-$15MM


· LTV: Up to 75%


· Rate: 5-7%


· Term: 1-3 years, Interest Only


· Property Types: Office, Retail, Industrial, Multi-Family, Manufactured Housing, Condominiums, Self Storage, Special Use, Hospitality, Assisted Living/Congregate


APPLY HERE

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Unsecured Business Lines of Credit

· $25,000-$100,000 (start up businesses with no established revenue and business owner with good credit)


· $100,000-$500,000 (established businesses w/ revenue of $1MM or more; no collateral if good credit and financials)


· 0% intro rates on business credit card solutions, to 1-5% over prime for large credit lines.


· No "subprime" unsecured lines


APPLY HERE

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Click Here To Apply for A Business Cash Advance or Working Capital Loan


Bank ACH or Credit Cards


90% Approval Rates (for most industries)


- Minimum 4 months in business and $8,000 avg. monthly revenue


- No Collateral Requirements; Bad credit is OK


- One Week Funding


- Borrow $5K-$500K in as little as 24 hrs


- Short, simple loan process


- Streamlined underwriting

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Restaurant-Retail, 
Small Business Loan Program


  • · Unsecured Loans up to $1,000,000 per location

  • · No Collateral Required

  • · Minimum Annual Sales: $150,000

  • · Minimum: 550 FICO

  • · Must be in business at least 1 month to document sales

  • · Loan amounts below $150,000 require NO tax returns or financial statements


APPLY HERE

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Customer Finance Programs for Businesses

· Can finance your customers down to a 500 FICO;

can finance your turndowns from your current credit provider


· Instant online credit processing and approval


· E-signature capabilities


· Can purchase or collect bad debt portfolios


· Industries include: Medical, Dental, Jewelry Retail, Furniture, Memberships, Private school tuition, Security/Alarms, Vocational Schools, Travel, etc.


APPLY HERE

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Click Here to Apply for

A Private Lender Commercial Loan


- Zero upfront costs, zero fees for approval to our programs.


- Minimum loan amounts: $100K for commercial building projects, with no maximums.


- No pre-payment penalties on programs offered.

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Click Here To Apply for A Merchant Cash Advance or Working Capital Loan


- Bank ACH or Credit Cards


- 90% Approval Rates (for most industries)


- Minimum 4 months in business and $8,000 avg. monthly revenue


- No Collateral Requirements; Bad credit is OK


- One Week Funding


- Borrow $5K-$500K in as little as 24 hrs


- Short, simple loan process


- Streamlined underwriting

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