Bridge Debt
Short-term financing for transitional properties: acquisitions on tight timelines, maturing loans that need runway, and assets moving through repositioning, lease-up, or entitlement.
- Loan Size: $1M–$500M+
- LTV: Up to 75%
- Term: 6–36 Months
- Closing: As Fast as 10 Days
Bridge debt solves timing problems. When a property is being acquired ahead of a business plan, carrying a maturing loan, or producing income that does not yet support permanent financing, a bridge loan provides the capital and the runway to execute. FOCAL arranges bridge financing from $1 million to over $500 million, at leverage up to 75% LTV, on terms from 6 to 36 months, closing in as fast as 10 days when the sponsor and collateral are ready.
FOCAL structures bridge loans around where the asset is going rather than only where it stands today: underwriting to land value on entitlement deals, building in interest reserves to carry lease-up, and retiring layered capital stacks in a single facility. Recent closings include construction take-out bridges, acquisition bridges sized to underlying land value, and cash-out bridge refinances closed without appraisals or tax returns.
The firm arranges bridge debt nationwide from its Beverly Hills, California headquarters, across multifamily, mixed-use, retail, industrial, and residential collateral.
Bridge Debt: Common Questions
How fast can a bridge loan close?
As fast as 10 days when the sponsor and collateral are ready. Typical bridge executions run longer depending on the diligence the asset requires, and FOCAL structures the timeline around the deadline that matters, whether that is a purchase contract, a maturity date, or a payoff demand.
What loan sizes and leverage does FOCAL arrange for bridge debt?
Bridge loans from $1 million to over $500 million, at leverage up to 75% LTV, on terms from 6 to 36 months. FOCAL arranges bridge debt nationwide from Beverly Hills, California, across multifamily, mixed-use, retail, industrial, and residential collateral.
When is bridge debt the right tool?
When timing or transition rules out permanent financing: an acquisition on a tight closing timeline, a maturing loan that needs runway, or an asset moving through repositioning, lease-up, or entitlement. FOCAL has structured bridge loans underwritten to land value rather than in-place income and take-out bridges that retire senior and mezzanine debt in one facility.
Related closed transactions: $18.7M Construction Take Out Bridge Loan in Los Angeles, CA · $2.15M Acquisition Bridge Loan in Manhattan, NY · $2.25M Acquisition Bridge Loan in Inglewood, CA
Related insights: Bridge Loans vs. Construction Loans for Developers · Fed's Rate Pause: What CRE Borrowers Need to Know · SOFR Cap vs Swap: CRE Hedge Checklist for Sponsors
Capital Markets & Debt Advisory · Closed Transactions