First-position, interest-only bridge debt on stabilized, transitional, and value-add commercial assets, underwritten to a defined takeout. No minimum credit score.
First-position bridge debt sized up to 70% of value, with interest reserves and holdbacks available to carry the business plan.
Interest-only payments protect cash flow during the hold, and non-recourse structures are available with standard carve-outs.
Room to execute — lease-up, renovation, or repositioning — before you refinance or sell.
We lend in DC, MD, VA, NC, SC, GA, TN, FL, and TX, with a direct line to the people making the decision.
First-position, interest-only bridge debt on stabilized, transitional, and value-add commercial assets — underwritten to a defined takeout and sized for deals between $2 million and $10 million. No minimum credit score.
Senior interest-only bridge debt sized to your transitional business plan, with a defined takeout.
| Parameters | Details |
|---|---|
| Loan Size: | $2,000,000 – $10,000,000 |
| Leverage: | Up to 70% LTV |
| Term: | 12 – 36 months |
| Rate: | Starting at 10.49% |
| Structure: | Interest-only · Interest reserves · TI/LC holdbacks · Earn-outs |
| Asset Types: | Multifamily · Retail · Industrial |
| Loan Types: | Bridge · Value-add · Stabilization · Construction |
| Takeout: | Underwritten to a defined exit — agency, refinance, or sale |
| Recourse: | Non-recourse available · Standard carve-outs |
| Sponsorship: | Experienced operators |
| Minimum Credit Score: | No minimum credit score |
| Lending Area: | Washington DC, Maryland, Virginia, North Carolina, South Carolina, Georgia, Tennessee, Florida and Texas |
Asset-First Underwriting: We evaluate the complete deal—property equity, project margin, and exit strategy—rather than disqualifying borrowers based on credit score cutoffs.
From submission to funding, here’s what to expect.
Send us the property, the purchase price or payoff, your business plan, and how you intend to exit.
We review the asset, the sponsor, and the takeout, and respond within one business day.
We order third-party reports, confirm the plan and the numbers, and structure reserves and holdbacks around the deal.
Funds close on the agreed terms, and holdbacks and interest reserves release according to the structure.
A short-term, first-position loan that carries a commercial property while you acquire, stabilize, or reposition it, until a defined takeout such as an agency loan, a refinance, or a sale.
Loan sizes run from $2,000,000 to $10,000,000, with leverage up to 70% LTV.
No. We underwrite the asset, the business plan, the takeout, and the sponsor — not a minimum credit score.
Appraisals aren’t required on commercial loans under $2 million. For loans of $2 million and above, expect a third-party valuation as part of underwriting.
Rates start at 10.49% with terms of 12 to 36 months. Loans are interest-only, and interest reserves, TI/LC holdbacks, and earn-outs can be built into the structure.
Yes. Non-recourse structures are available, subject to standard carve-outs.
Multifamily, retail, and industrial assets — stabilized, transitional, and value-add.
We typically respond to a new deal within one business day. Closing time depends on the deal and on third-party reports.
Washington DC, Maryland, Virginia, North Carolina, South Carolina, Georgia, Tennessee, Florida, and Texas.
Tell us about the property and the exit — we’ll respond the same business day.
