Commercial Bridge Loans — Speed When It Counts
Short-term financing to acquire, reposition, or stabilize commercial and investment property — then refinance or sell. Interest-only, asset-based, and built to close fast on time-sensitive deals.
What is a commercial bridge loan?
A commercial bridge loan is short-term financing that "bridges" a gap on a commercial or investment property. It gives you the capital to move now — to acquire, reposition, or stabilize a property — and buys you time until you refinance into permanent financing or sell. Bridge loans are typically interest-only and asset-based, prioritizing speed and flexibility over the slow, document-heavy process of a conventional bank.
When a bridge loan makes sense
Bridge financing fits time-sensitive acquisitions, value-add and reposition plays, and properties that don't yet qualify for permanent financing — for example, a building that needs to be leased up or renovated before a bank will lend on it. The bridge loan carries you from where the property is today to where your business plan takes it.
Benefits
- Fast close — win time-sensitive deals with terms in as little as one business day.
- Interest-only — keep payments low while you execute your plan.
- Asset-based — underwritten on the property and business plan, no income verification.
- Flexible — for acquisitions, repositions, and stabilization scenarios.
- Commercial & mixed-use — a range of investment property types.
- Bridge to permanent — a clear path to refinance or sell as your exit.
How it works
ECM underwrites the property and your plan, structures short-term interest-only financing, and closes quickly. When the property is stabilized, leased, or improved, you exit by refinancing into long-term financing or selling the asset.
Related programs
Building from the ground up instead? See construction loans. Want to pull capital from a property you already own? Look at equity lending, or browse all loan programs.
Commercial bridge loan FAQs
What is a commercial bridge loan?
A commercial bridge loan is short-term financing that "bridges" a gap on a commercial or investment property — for example, acquiring a property quickly, repositioning or stabilizing it, or covering the time until you refinance into permanent financing or sell. It is typically interest-only and asset-based.
When should I use a bridge loan?
Bridge loans are ideal for time-sensitive acquisitions, value-add or reposition projects, and situations where a property does not yet qualify for permanent financing. They give you speed and flexibility while you execute your plan.
How fast can a commercial bridge loan close?
ECM can move quickly on bridge financing, often providing clear terms within one business day and closing in a matter of days — so you can win time-sensitive deals.
Do commercial bridge loans require income verification?
No. ECM's commercial bridge loans are asset-based, underwritten on the property and the business plan rather than personal income, so there is no income verification required.
Got a time-sensitive deal?
Send us the scenario and get competitive commercial bridge terms within one business day.