$1M to $50M+. 12–36 month terms. Bridge rates typically 8% to 15% based on LTV, sponsor experience, and property type. PeerSense connects well-capitalized CRE investors with bridge lenders who close on your timeline.
Bridge loans provide 12-36 month capital at 8-15% for acquisitions, renovations, and repositioning when permanent financing isn't available yet. At 65% LTV, bridge lenders offer the most competitive terms. PeerSense structures bridge loans with the permanent exit in mind from day one.
Written by Ed Freeman, Capital Advisory — PeerSense. Updated March 2026.
2026 Market Data
Bridge loans are short-term financing designed to move fast on time-sensitive opportunities. They "bridge" the gap between immediate capital needs and permanent financing, allowing you to close deals that conventional lenders can't accommodate on your timeline.
Close in 2–4 weeks from full submission. When you need to move faster than banks or SBA can accommodate, bridge financing delivers.
Perfect for properties in transition — construction completion, lease-up, repositioning, or stabilization before permanent financing.
No prepayment penalty options available. Foreign national borrowers accepted on select programs. Multiple exit strategies supported.
Bridge loans solve timing problems that conventional financing can't accommodate. Here are the most common scenarios:
Seller needs to close in 30 days. Your bank needs 90. Bridge financing gets you to the table.
Your permanent lender is committed but can't close on your timeline. Bridge now, refinance later.
Lease-up, repositioning, or value-add projects that don't qualify for permanent financing yet.
Project is 80% complete but construction lender won't extend. Bridge to completion and stabilization.
Found the perfect property but haven't sold your current one. Bridge lets you move without waiting.
All-cash equivalent offers win deals. Bridge financing gives you that competitive edge.
Bridge loan pricing depends on use case, leverage, property condition, and exit strategy. Higher-risk scenarios command higher rates.
| Scenario | Rate Range | LTV / LTC | Term | Closing Speed |
|---|---|---|---|---|
| Stabilized Acquisition (65% LTV) | 8% – 9.5% | 65% | 12–24 mo | 14–21 days |
| Value-Add / Renovation | 9% – 11% | 70–80% LTC | 24–36 mo | 21–30 days |
| Maturity Payoff / Rescue | 9% – 12% | 65–75% | 12–24 mo | 10–21 days |
| Bank Fallout / Re-Trade | 9% – 13% | 65–75% | 12–24 mo | 14–21 days |
| Partner Buyout | 9% – 13% | 65–75% | 12–24 mo | 14–28 days |
| Construction Completion | 10% – 13% | 70–80% LTC | 12–24 mo | 21–30 days |
| Ground-Up Construction | 10% – 14% | 60–75% LTC | 18–36 mo | 30–45 days |
| Note Purchase / Distressed | 10% – 14% | 50–65% of face | 12–24 mo | 14–30 days |
| Foreign National | 9% – 13% | 50–65% | 12–36 mo | 21–30 days |
Rates as of April 2026 based on published lender guidelines and recent transaction experience. Origination fees of 1–2% apply on most programs. See our methodology.
Bridge loan rate is only part of the cost. Here's the full picture on a $10M bridge loan at 10% for 18 months.
$10M Bridge Loan — 18 Month Hold
17.15% of loan amount over 18 months
After Refi to CMBS at 6.75% — Annual Savings
The bridge loan costs $1.7M over 18 months — but the permanent CMBS refi saves $325K every year. The bridge pays for itself in under 6 years, and you hold non-recourse fixed-rate debt for the remaining term.
Bridge loans are priced for speed and flexibility. Here's what to expect:
Flexible sizing based on property value and deal structure
Typically 8–12% depending on deal quality and lender
Short-term financing with flexible exit strategies
From full submission to funding — significantly faster than conventional
Commercial real estate, mixed-use, and land on select programs
Exit early without penalty on select programs
Select bridge loan programs accept foreign national borrowers for U.S. commercial real estate acquisitions. International investors can access the same speed and flexibility as domestic borrowers.
Bridge financing is available across all major commercial real estate asset classes
Bridge loans are designed with an exit strategy in mind. Here are the most common transition scenarios:
Most common exit: refinance into 10-year fixed-rate non-recourse CMBS once stabilized. We coordinate the bridge AND the permanent takeout in one engagement.
For owner-occupied commercial real estate, bridge to acquisition then refinance into SBA 504 for long-term fixed rates and minimal equity requirements.
Existing CMBS loan maturing in 12-24 months? Use a bridge to extend the runway, then refinance into new permanent debt at improved leverage.
Acquire and renovate hotels with bridge financing, complete the brand-mandated PIP, then exit into hotel CMBS at the new stabilized basis.
Complete value-add improvements, stabilize occupancy, then sell at a higher valuation. Bridge financing funds the transition period.
See your max loan, indicative rate, monthly debt service, and DSCR before talking to a lender. 6 inputs, 30 seconds, no signup.
The best bridge loans are structured with flexibility in mind. PeerSense works with lenders who understand that exit strategies can evolve as market conditions change. No prepayment penalty options ensure you're not locked in if your permanent financing comes through early.
Not sure which loan is right for you?
Take our 60-second quiz to get matched with the right program.
Exit your bridge loan into non-recourse, fixed-rate CMBS conduit financing.
Bridge, CMBS, and SBA 504 financing for hotel acquisitions and refinances.
Non-bank lending for deals that need flexible terms and creative structures.
Get a complimentary assessment of your deal's financing options.
Enter your NOI and property value. See max CMBS takeout amount and rate — so you know the exit before you sign the bridge.
Bridge / Hotel Refi — Response within 4 business hours. No obligation.
Representative deal profiles showing our typical financing structures and terms.
$12M Hilton-Flag Hotel — Charlotte, NC
6.75% fixed | 65% LTV | 52-day close
$8M Value-Add Multifamily — Tampa, FL
SOFR +395 | 75% LTC | 14-day close
$1M+ loan size. 25%+ equity. One call gets you a direct introduction to the right bridge lender for your timeline and property type. No mass submissions — we match you with the lender that fits.
500+ capital sources · Closings as fast as 14 days · No upfront fees
PeerSense bridge loan advisory is based in Westfield, Indiana and serves borrowers nationwide. We structure bridge loans for commercial properties in Indiana, the Midwest, and all 50 states. Whether you need a bridge loan in Indianapolis, Chicago, Columbus, Louisville, or anywhere in the U.S., our capital source network closes deals in 2-4 weeks regardless of location.
Disclaimer: PeerSense is not a lender, bank, or financial institution. We are a capital advisory firm that connects borrowers with potential lending partners. All rates, terms, market data, and estimates shown on this page are approximate and subject to change based on market conditions, borrower qualifications, property specifics, and lender discretion. Nothing on this website constitutes financial, legal, or investment advice. Individual results vary. All information should be independently verified. Past performance and market data do not guarantee future results. Consult with qualified legal and financial professionals before making any financing decisions.