Capital Stack Design
- Stretch senior bridge with structured reserves
- Mezzanine loans with intercreditor terms and remedies
- Preferred equity with clear distribution waterfalls
- A/B notes and rescue bridge for pending maturities
CRE Gap Financing & Bridging Loans
Capital for acquisitions, refinance, construction finish, lease-up, and maturity defaults. Stretch senior, mezzanine, and preferred equity with structured reserves, intercreditor alignment, and time-certain execution.
We arrange bridge loans and gap capital for value-add and transitional assets with the controls lenders expect and sponsors need: interest reserves sized to business plan, capex and TI/LC escrows, springing cash management, SNDA and intercreditor coordination, and an exit underwritten to permanent debt or sale on realistic timing and metrics.
What We Deliver
Underwriting & Modeling
- Business plan, capex, and lease-up profile
- NOI build, DSCR, and debt yield analysis
- Exit tests to permanent financing or marketed sale
- Sensitivities on rent, vacancy, and cap rates
Security & Covenants
- First or second lien, UCC, and assignment of rents
- SNDAs, intercreditor terms, and negative pledge controls
- Reserves for interest, capex, and carry
- Reporting cadence, cash sweeps, and carve-outs
Execution Support
- Lender selection by asset, market, and tenor
- Term sheet negotiation and closing checklist
- Third-party reports coordination where required
- Funding mechanics and post-close monitoring
Structures We Arrange
- Senior bridge and stretch senior with extension options
- Mezzanine loans secured by pledge of equity interests
- Preferred equity with fixed or toggle distributions
- Holdback facilities for capex and TI/LC
- Acquisition bridge ahead of stabilization refinancing
Asset Types
- Multifamily and Build-to-Rent
- Industrial and Logistics
- Self-Storage and SFR Portfolios
- Hospitality and Leisure (selective)
- Office and Life Sciences (selective)
Eligibility and Dossier
Minimums
- Facility Size From USD 5,000,000
- Identified Exit: Refinance or Sale
- Defined Business Plan and Timeline
Core Dossier
- Sponsor KYC, org chart, and track record
- Rent roll, T-12, and operating statements
- Budget, capex schedule, and contracts
- Leases, SNDAs, and third-party reports if available
Process
Onboarding
Mandate, KYC, and project brief. Asset, market, sponsor profile, leverage target, and exit mapped against lender appetite.
Underwriting
File review, business plan validation, DSCR and debt yield tests, reserve sizing, and covenant framework prepared for term sheet.
Placement
Lender short list by asset and jurisdiction. Indicative terms refined through Q&A. Intercreditor and SNDA points aligned ahead of docs.
Closing & Funding
Conditions precedent cleared. Security perfected. Reserves funded. Draw mechanics set. Post-close monitoring to stabilization.
Pricing Guidance
- Interest at benchmark plus margin with floors where applicable
- Origination and exit fees sized to risk and tenor
- Extension options subject to tests and fees
- Bank, legal, and third-party costs passed at cost
Final economics depend on leverage, business plan risk, market depth, tenancy profile, and sponsor covenant.
Request a CRE Bridge Quote
Share your deal dossier. We respond with lender options, pricing, covenants, and a realistic closing timeline.
Provide asset details, business plan, target leverage, and exit. Indicate senior only, stretch senior, mezzanine, or preferred equity.
All facilities are subject to underwriting, KYC, AML, sanctions, valuation, and final lender approval.
Financely acts as advisor and arranger. We are not a bank and do not take deposits. Loans and equity are provided by licensed counterparties subject to final credit approval and documentation. Nothing here is a commitment to lend.
