Commercial Bridge Loans
Typical Terms
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- Up to 70-75% loan-to-value
- Up to 80-90% loan-to-cost
- 1.25 minimum DSCR at stabilization, based on permanent financing terms
- Loan amounts up to $5 million
- 11-12% interest rate
- 2.0-3.0% origination fee ($3,500 minimum)
- $995 admin fee
- 6 to 24-month term with flexible extensions available
Process and Execution
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- No junk fees
- Appraisal waiver may be available
- Loan decisions as quick as 3-5 business days
- Extension fees: 0.50% if deferred or 0.40% if paid when extending
- Financing interest reserves may be available (subject to LTV/LTC)
Typical Terms
-
- Up to 70-75% loan-to-value
- Up to 80-90% loan-to-cost
- 1.25 minimum DSCR at stabilization, based on permanent financing terms
- Loan amounts up to $5 million
- 11-12% interest rate
- 2.0-3.0% origination fee ($3,500 minimum)
- $995 admin fee
- 6 to 24-month term with flexible extensions available
Process and Execution
-
- No junk fees
- Appraisal waiver may be available
- Loan decisions as quick as 3-5 business days
- Extension fees: 0.50% if deferred or 0.40% if paid when extending
- Financing interest reserves may be available (subject to LTV/LTC)
Commercial Bridge Loan Underwriting at Cetan Funds
Our underwriting process for commercial bridge loans is designed to be practical, efficient, and focused on collateral quality, timing, and exit strategy.
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- Borrower info: background, experience, track record, etc.
- Property details: description, pictures, purchase contract, etc.
- Project details: plans, budgets, timelines, exit strategy, etc.
- Personal Financial Snapshot form
- Real Estate Schedule, if applicable
- 2 years of personal tax returns
- 2 years of business tax returns, if applicable
- 3 months of recent bank statements
- Credit check, minimum 540 FICO (waiver may be available)
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Recently Funded Commercial Bridge Projects
What is a Commercial Bridge Loan?
Short-term bridge loans secured by commercial real estate
A commercial bridge loan is a short-term loan secured by commercial real estate and used to address timing, liquidity, or transitional financing needs. At Cetan Funds, all commercial bridge loans are business-purpose loans secured by commercial or income-producing property.
Commercial bridge loans are commonly used by investors and business owners to:
- Acquire a property quickly
- Refinance an existing property to access short-term capital
- Bridge a property to sale, stabilization, or permanent financing
We have provided commercial bridge financing secured by a wide range of property types, including multifamily, mixed-use, office, industrial, manufacturing, warehouse, retail, hospitality, and specialty-use properties.
Commercial bridge loans are designed to move borrowers efficiently from one phase of ownership or operation to the next. Each loan is structured around the collateral, timeline, and exit strategy. While every transaction is unique, baseline terms are outlined above to provide clarity and transparency.
If you are seeking fast, flexible commercial bridge financing backed by real estate, we invite you to discuss your project with us.
Are you looking for fast commercial bridge loans? We would like to hear about your project.
How to Secure Commercial Bridge Loan Financing
A fast, practical commercial bridge loan process
At Cetan Funds, we work directly with borrowers to determine whether a commercial bridge loan is an appropriate fit for their needs. The process begins with an initial conversation to understand the property, timing requirements, and exit plan.
From there, we move through our internal underwriting process. Because underwriting and decision-making are handled in-house, borrowers typically receive a response within a few business days, depending on project complexity. Appraisals may be waived in certain situations, and funding can often occur shortly after approval.
We view lending as a partnership. Throughout the term of the loan, borrowers work directly with their loan officer and can expect clear communication, transparency, and responsiveness.
Find out about the Cetan Advantage for yourself!
Obtaining a Commercial Bridge Loan with Cetan Funds
In-house capital. Local experience. Reliable execution.
Cetan Funds is a direct private lender using in-house private equity capital. Loans are funded from pooled capital and held in our portfolio. We do not rely on banks, Wall Street, or individual investors to fund transactions.
Because we control our capital and underwriting decisions internally, borrowers can rely on funding certainty and efficient execution once a loan is approved. This structure allows us to remain flexible and responsive throughout the life of the loan.
Cetan Funds is a family-owned Oregon-based lender with more than 60 years of combined experience in lending and real estate development. While we specialize in short-term loans, many borrowers work with us repeatedly as their portfolios and businesses grow.
When you partner with Cetan Funds, you gain a lender that is invested in execution, remains adaptable as circumstances change, and prioritizes long-term relationships over one-time transactions.
Are You Looking for a Commercial Bridge Loan?
If you need short-term commercial financing secured by real estate and backed by in-house capital, Cetan Funds may be a strong fit.
Contact us to discuss your property, timing, and financing needs.
CONTACT US
Start your inquiry by filling out our contact form or call us directly at (458) 215-3200.