Commercial Bridge Loan
Fast, short-term capital to bridge a gap or seize an opportunity.
- Rates from
- 9.5%*
- Typical term
- 6 months–3 years
- Min amount
- $250K
- Max amount
- $50M
What is a Commercial Bridge Loan?
Bridge loans provide fast, flexible, short-term capital — typically 6 to 36 months — while you reposition a property, complete lease-up, or line up permanent financing. Rates are higher than conventional loans, but funding is quick and underwriting focuses on the asset and business plan rather than tax returns alone.
Best for
- Value-add deals
- Fast closings
- Repositioning & lease-up
* Rates and terms shown are indicative and vary by lender, borrower, and property. Not a commitment to lend. Subject to credit approval.
Lenders offering Bridge Loan
29 lenders in our directory finance this loan type.
Amalgamated Bank
New York commercial bank for commercial real estate
A New York-based commercial bank whose commercial real estate group offers acquisition and repositioning financing, term loans, secured credit lines, and affordable multifamily construction and bridge lending, focused on the NYC metro area.
- Loan size
- Contact for details
- Coverage
- All NYC
Arbor Realty Trust
Multifamily and commercial real estate lender
A New York-headquartered multifamily and commercial real estate lender (NYSE: ABR) offering agency (Fannie Mae, Freddie Mac, FHA) multifamily loans, bridge, and construction financing.
- Loan size
- Contact for details
- Coverage
- All NYC
Bayport Funding
Direct portfolio bridge lender for real estate investors
A direct portfolio bridge lender for real estate investors, with fix-and-flip, ground-up construction, and development programs. Its funded transactions include Brooklyn, the Bronx, and Queens.
- Loan size
- Contact for details
- Coverage
- 3 boroughs
Bloomfield Capital
Direct commercial real estate bridge lender
A direct commercial real estate lender providing private capital for bridge and hard-money loans, with a New York City office and NYC lending activity.
- Loan size
- Contact for details
- Coverage
- All NYC
BridgeInvest
Private bridge lender for commercial real estate
A private lender investing in short-term, senior-secured commercial real estate mortgages through transitional bridge, opportunistic bridge, and development (construction) programs, with New York City and Manhattan transactions.
- Loan size
- Contact for details
- Coverage
- All NYC
Cathay Bank
Chinese-American commercial bank since 1962
A commercial bank founded in 1962 to serve the Chinese-American community, with a commercial real estate and construction program (purchase, refinance, bridge, new construction, mini-permanent) plus SBA 7(a) and 504. Branches in Manhattan, Queens, and Brooklyn.
- Loan size
- Contact for details
- Coverage
- 3 boroughs
East West Bank
Commercial real estate lender with NYC branches
A large commercial bank whose real estate program offers construction, bridge, and mini-permanent financing for commercial and multi-family property — plus SBA lending — with branches in Flushing, Queens, and Manhattan.
- Loan size
- Contact for details
- Coverage
- 2 boroughs
Emerald Creek Capital
Bridge lender for commercial real estate
A bridge lender providing short-term loans secured by real estate nationwide, including New York City. Headquartered in Manhattan, with recent closings in Midtown East and Long Island City.
- Loan size
- Contact for details
- Coverage
- All NYC
Enterprise Community Loan Fund
Nonprofit CDFI for affordable housing
The certified CDFI arm of Enterprise Community Partners and one of the largest nonprofit community development loan funds in the country. Offers predevelopment, acquisition, construction, bridge, and permanent loans, with NYC-specific affordable-housing programs.
- Loan size
- Contact for details
- Coverage
- All NYC
First Central Savings Bank
New York savings bank and SBA lender
A New York savings bank (since 1999) whose commercial real estate lending covers multi-family, mixed-use, warehouse, office, and retail, with construction, bridge, and SBA 7(a) programs and six branches in Queens.
- Loan size
- Contact for details
- Coverage
- 1 boroughs
Greystone
Multifamily and commercial real estate finance
A New York-headquartered commercial real estate finance company specializing in multifamily and healthcare lending, offering agency (Fannie Mae, Freddie Mac, FHA/HUD), CMBS, and bridge financing.
- Loan size
- Contact for details
- Coverage
- All NYC
Hanover Bank
New York community bank for commercial real estate
A New York-chartered community commercial bank (founded 2009) with an investment commercial real estate program — commercial mortgages, multi-family investor mortgages, construction, and bridge loans — and branches in Manhattan, Queens, and Brooklyn.
- Loan size
- Contact for details
- Coverage
- 3 boroughs
IDB Bank
New York commercial bank since 1949
A New York City-headquartered commercial bank whose commercial real estate team finances developers and investors across multifamily, mixed-use, office, retail, and other property types, with acquisition and bridge financing.
- Loan size
- Contact for details
- Coverage
- All NYC
Kiavi
Business-purpose loans for real estate investors
A private, non-bank lender for real estate investors offering fix-and-flip, bridge, and rental financing. Kiavi lists New York among the states where it lends, and its loans are for non-owner-occupied investment properties only.
- Loan size
- Contact for details
- Coverage
- All NYC
Leviticus Fund
Nonprofit CDFI for affordable housing
A regional nonprofit CDFI loan fund that finances affordable and supportive housing and community real estate for nonprofit developers across the NYC region. Offers predevelopment, acquisition, construction, bridge, and permanent loans.
- Loan size
- Contact for details
- Coverage
- All NYC
Lima One Capital
Private lender for real estate investors
A private lender offering fix-and-flip, bridge, new-construction, rental, and multifamily programs. Its New York page states its loans are ideal for investments across New York City's five boroughs.
- Loan size
- Contact for details
- Coverage
- All NYC
Lument
New York-headquartered agency multifamily lender
A New York-headquartered real estate finance firm that lends directly through Fannie Mae, Freddie Mac, and HUD/FHA multifamily programs, plus balance-sheet bridge financing. It has closed New York City agency transactions.
- Loan size
- Contact for details
- Coverage
- All NYC
Madison Realty Capital
New York-based commercial real estate debt fund
A New York City-based real estate private credit manager focused on U.S. commercial real estate lending, originating loans directly across the capital stack — acquisition, transitional (bridge), and construction financing.
- Loan size
- Contact for details
- Coverage
- All NYC
Manhattan Bridge Capital
Hard-money lender for New York real estate investors
A publicly traded hard-money lender (NASDAQ: LOAN) to professional real estate investors, offering fix-and-flip, bridge, and small new-construction loans across all five NYC boroughs.
- Loan size
- Contact for details
- Coverage
- All NYC
Merchants Capital
Agency and affordable-housing multifamily lender
A bank-backed agency lender and tax-credit equity syndicator serving multifamily and affordable-housing sponsors nationwide, ranked nationally in HUD/FHA, Fannie Mae, and Freddie Mac lending. It has financed New York property.
- Loan size
- Contact for details
- Coverage
- All NYC
Modern Bank
Manhattan national bank for commercial real estate
A national bank headquartered on Park Avenue in Manhattan, providing NYC-metro commercial real estate sponsors with cash-flow-based CRE loans and bridge/transitional financing, with deals across NYC neighborhoods.
- Loan size
- Contact for details
- Coverage
- All NYC
Northwind Group
Manhattan-based commercial real estate debt fund
A Manhattan-based manager of commercial real estate debt funds that originate first and second position loans in the Greater NYC metro area, with acquisition, construction, value-add, and bridge structures.
- Loan size
- Contact for details
- Coverage
- All NYC
Piermont Bank
New York City commercial bank
A New York City commercial bank lending on commercial real estate across the Greater New York area — multifamily, mixed-use, retail, and industrial — with acquisition, refinancing, and bridge/transitional loans.
- Loan size
- Contact for details
- Coverage
- All NYC
RCN Capital
Nationwide private lender for real estate investors
A private, business-purpose lender offering fix-and-flip, bridge, new-construction, and multifamily (5+ unit) programs. RCN states its loans are for business purposes and that it lends in most states, including New York.
- Loan size
- Contact for details
- Coverage
- All NYC
Roc360
Manhattan-based lender for real estate investors
A Manhattan-headquartered originator of business-purpose loans for residential real estate investors, with bridge, fix-and-flip, and rental/multifamily (DSCR) products.
- Loan size
- Contact for details
- Coverage
- All NYC
Stormfield Capital
Direct bridge and hard-money lender for investors
An SEC-registered investment adviser and direct bridge lender for residential and commercial real estate investors, with fix-and-flip, bridge, new-construction, and multifamily value-add programs. Investment-purpose only, with funded NYC deals.
- Loan size
- Contact for details
- Coverage
- All NYC
The Community Preservation Corporation
Nonprofit multifamily lender and CDFI
A nonprofit multifamily lender and certified CDFI founded in 1974 in response to NYC housing conditions. Offers multifamily mortgage lending, construction loans, and a range of bridge products.
- Loan size
- Contact for details
- Coverage
- All NYC
Valley National Bank
National bank for commercial real estate lending
A national bank with over 95 years of commercial real estate lending experience, offering permanent, construction-to-permanent, bridge, co-op, and land loans on property types including apartment buildings, mixed-use, retail, and office. It operates branches across New York City.
- Loan size
- Contact for details
- Coverage
- All NYC
W Financial
Direct private bridge lender for commercial real estate
A direct private bridge lender providing short-term, special-situation financing secured by commercial real estate. Formed in 2003 and active in the New York metropolitan area.
- Loan size
- Contact for details
- Coverage
- All NYC