Will a bridge lender care why my bank denied the deal?

Bridge lenders focus primarily on the property's value and your exit strategy. Common bank denial reasons (borrower credit events, portfolio concentration limits, regulatory changes) are irrelevant to asset-based bridge lenders. They care about LTV, property condition, and how you plan to refinance out.

Can I use a bridge loan to save a 1031 exchange?

Yes. Bridge loans are commonly used to meet 1031 exchange deadlines (45-day identification, 180-day closing). The fast closing timeline (14-28 days) fits within exchange requirements. Make sure your qualified intermediary is coordinated.

What if the bank's appraisal came in low?

Bridge lenders often order their own appraisal or review the existing one with different assumptions. A bridge lender may value the property higher than a conservative bank appraiser, especially for value-add or transitional assets where the bank discounted future income.

How do I transition from bridge back to bank financing?

After closing the bridge, work on the issue that caused the bank denial (lease up, improve NOI, resolve credit event, wait for seasoning). Once resolved, refinance into conventional bank debt, CMBS, or life company permanent financing at 5-8%, saving 3-7% annually versus the bridge rate.

Published: March 31, 2026·Last updated: May 16, 2026·By Ed Freeman, Capital Advisor. PeerSense

What is the best financing for commercial real estate at 65-75% LTV?

When a bank denies, delays, or re-trades your commercial loan at the last minute, a bridge lender can step in and close in 2-4 weeks. Bridge lenders focus on property value and exit strategy, not the borrower issues that caused the bank to balk. Rates are 8-13% for 12-36 months, higher than bank debt, but you save the deal and refinance into permanent financing once stabilized.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder

Prime: 6.75% 10-Yr Treasury: 4.25% Est. Bridge Loan Range: 8% - 13%as of Mar 19, 2026

Commercial Real Estate

Your Bank Said No, Bridge Capital Closes in 2-4 Weeks

Bank denied or delayed your commercial deal? Bridge lenders close in 2-4 weeks at 8-13% with asset-focused underwriting. $1M to $100M. Don't lose the deal.

Minimum 30-35% equity required. Experienced CRE investors with a deal under contract or a closing deadline.

Discuss Your Commercial Real Estate Deal Call (317) 452-6990

KEY TERMS

Deal Parameters at a Glance

LTV Target

65-75%

Est. Rate Range

8% - 13%

Term

12-36 months

Recourse

Full or limited recourse

DSCR

No minimum (asset-focused)

Closing Speed

14-28 days

Min Loan Size

$1M

Loan Products

Bridge Loan

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

FIT ASSESSMENT

When Is This the Right Fit?

Use this when your bank has denied, delayed, or re-traded your commercial loan and you're at risk of losing the deal, forfeiting earnest money, or missing a 1031 exchange deadline. Common bank fallout scenarios: appraisal came in low, bank committee killed the deal, regulatory changes tightened lending criteria, or the bank demanded additional equity at the last minute. Bridge lenders solve all of these.

Want the full program overview, current rate sheet, and underwriting matrix? See the Bridge Loans guide →

ADVANTAGES

Key Benefits

Save your deal, don't lose earnest money or the property

Asset-focused underwriting, property value matters, not why the bank said no

Close in 2-4 weeks with minimal borrower documentation

Interest-only payments during the bridge period

No prepayment penalty, refinance into bank or CMBS as soon as eligible

ALTERNATIVES

Strategic Alternatives

Private Credit

If you need longer-term non-bank financing (3-7 years)

Learn more

CMBS Permanent Financing

If the property is stabilized and you have 60+ days

Learn more

Bridge-to-Permanent

If you want to plan the permanent exit from day one

Learn more

Frequently Asked Questions

14-28 days from complete submission. If the bank already completed environmental, appraisal, and title work, the bridge lender can often use or update those reports, shaving 1-2 weeks off the timeline.

See Related Rates by Program

PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of August 1, 2026.

SBA 7(a) & 504

5.50–11.75%

Up to $5M acquisition / real estate / equipment, 10% down

See current rates

CMBS Conduit

5.60–7.10%

10-yr non-recourse fixed, $5M–$500M+, fully assumable

See current rates

DSCR Investor

5.95–8.50%

30-yr fixed rental, qualifies on property cash flow

See current rates

Equipment Financing

5.50–12.00%

Loan, lease, SBA 504, vendor, captive. Section 179 eligible

See current rates

Hotel Financing

5.85–11.75%

CMBS + SBA 504 + bridge + PIP across all flags

See current rates

Private Credit

7.80–18.00%

Non-bank flexibility, unitranche, recap, transitional

See current rates

Invoice Factoring + ABL

0.5–3.5% / 30d

B2B receivables, trucking / staffing / construction / govt

See current rates

No-Doc CRE

7.50–11.50%

Limited-doc commercial, asset-based underwriting

See current rates

Foreign National

7.50–11.00%

Non-US borrower CRE + bridge, no SSN required

See current rates

Connect with PeerSense, Direct Capital Advisory

PeerSense pre-underwrites every deal before presenting it to our institutional capital sources. With a curated network of lender relationships and live market rate intelligence, we match your commercial real estate deal with the right capital source, right now.

Scan Your Deal (30 sec)Tell Us About Your Deal Call (317) 452-6990

Fee at closing only · Complimentary initial consultation

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated March 2026.

Disclaimer: The information on this page is provided for educational purposes only and does not constitute financial, legal, or investment advice. Rates, terms, and availability are subject to change based on market conditions, property characteristics, and borrower qualifications. The rate ranges cited reflect approximate market pricing as of March 2026 and may not reflect current conditions at the time of reading. PeerSense is a capital advisory firm, not a lender. We do not originate, fund, or service loans. All financing is provided by third-party lenders subject to their own underwriting criteria and approval processes. Borrowers should consult with qualified financial and legal professionals before making any financing decisions.