Bridge Loan Financing Can Provide You the Cash You Need Until You Secure Longer Term Financing. Our Commercial Bridge Loan Mortgage financing programs are primarily real estate based and start at $300,000. LTVs to 65%, sometimes higher.

Ask for Ron @ 1-828-689-4683 or 1-877-655-5625

For commercial real estate bridge loan loans, let U.S. Funding Solutions help your company acquire bridge financing. We understand the frustrations of business property owners and offer short and longer term bridge loan financing

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Bridge Loan Financing on Commercial Property Program Highlights

"I have had the pleasure to work with Ron Stone on a rather complicated transaction. Throughout the process, Ron proved to be exceptionally competent, understanding of the issues on hand, and very pro-active in finding solutions for said issues. I can only express my deep gratitude to him, and I consider anybody who has the chance to work with him, to be the fortunate one because it will be a successful undertaking". H. Jim Scherber, Owner & Broker, HPS Real Estate Investments, Palm Springs, California.


What is a Bridge Loan?

Very simply, a commercial bridge loan is a short term loan (usually no more than 3 years) to give the borrower time to stabalize the property or their financial/credit situation in order to either 1) Refinance the commercial property or 2) Sell the property. Unlike our bridge mortgage loan program, most commercial bridge financing loans carry double-digit interest rates and significant front end points. We hope this helps you understand what is a bridge loan at least for commercial properties.


$300,000 to $15,000,000 or more

We represent traditional hard money lenders but have refocused our efforts on a unique Low Rate (and low points) commercial bridge lender that is not credit score focused. Call to learn more. You'll be amazed.

We specialize in lending for property acquisitions and refinance. Our creative lending expertise enables us to close on these equity-based programs of $300,000 to $15,000,000. They also allow borrowers with assets to acquire the financing they need.



1. Can I refinance my commercial bridge loan? Absolutely. We can get you another bridge loan with a much better interest rate if you aren't ready for a normal refinance. We can also refi a commercial bridge loan with a good rate and a longer amortization period.

2. What if I need to get a commercial bridge loan with bad or poor credit? Credit is not normally a factor in our commercial bridge mortgage financing programs.

3. Can I refinance my bridge loan with cash out? Absolutely.

Not only are banks not lending much on corporate properties, since late 2006, 384 lenders have gone under. Here is the list of real estate lenders that have closed their doors. Mortgage lenders Out of Business

So just how does the process of getting short term financing work?

The process starts with a few simple questions for us to understand the type of property, the value of their property(s), the bridge amount and the customer's needs. Credit may or may not be pulled as it's not much of a factor in these bridge loans. For qualifying properties and LTVs (see above) that have a recent appraisal, the process may be quite fast. Commitments can happen in as little as a few hours and funding can occur in as little as 5 days. Fees can be built right into the loan which typically goes for 1 to 3 years. Also, there are no prepayment penalties so you can pay off the loan at any time, giving you the flexibility you need when seeking longer term financing. We've had customers pay off their bridge financing in as little as 3 months. Our programs are ideal for property owners needing to move quickly. This may help a business out of a jam when their existing loan hits the balloon date. Our programs can also allow a business person the ability to take advantage of a great opportunity in buying a piece of property in a distressed situation. The key to these is the speed of issuing these loans.

Interesting Financing Tips Article

Here are 5 Financing Tips You Need To Know

For many corporate property(s) owners or buyers, the banks are pretty much ignoring their needs. And why not? These may be really cheap (near zero interest rate) money from the Federal Reserve that they can buy U.S. Treasuries and pocket a nice spread with no risk.

The effect of this is a huge number of businesses are having to get short terms financing on their businesses properties to tide them over a few years until corporate credit is freed up or until they sell their properties. And while they are not cheap, they may mean the difference in hanging on to their properties and losing it. However, there are some conditions for borrowing that a prospective borrower needs to be wary of. Here are 5 critical watch outs you need to be aware of.

1.Prepayment penalties – Businesses needs to try and avoid borrowing with a prepayment penalty as just like with the sub prime implosion, those penalties can wreak havoc with your future refinance or sales plans. Not having a prepayment penalty gives you a lot more flexibility.
2.Term – Businesses need to be sure the term is long enough to carry them to the next phase whether it be a refinance or sale. Too short can get you right back into hot water. If you avoid a prepayment penalty, there is no downside to a longer than needed term as kind of insurance.
3.Not Borrowing Enough– You need to be sure you borrow enough to cover those little (or big) surprises. Again as in number two above, it’s just good insurance particularly in these uncertain economic times.
4.Borrowing too much – Yes, I know I just warned against borrowing too little but you can easily go overboard and borrow considerably more than you need. If you’re buying or constructing a business property(s), it’s real easy to borrow enough to cover all those “bells and whistles” that are best done from your busineses future cash flow.
5.Not Using the Best Finance Structure – Bridges can be structured many ways. Be sure that you don’t just take the first structure that is presented to you by the lender. Be creative. You may want an experienced third party to help you figure what structure is best for you and your business(s). Remember, the lender will propose what is in their best interest. You need to counter with what is best for you and your business(s) if different.
Take note and use them when negotiating with your lender.

Is The Business Property Market The Next Big Problem For The United States Economy

While many economists are focused on the unemployment numbers, residential foreclosures and the growth of the GDP, there still remains a possible near replay of the housing crash. I'm talking about the commercial real estate and commercial real estate mortgage markets.

While the factors that led to the housing crash have and continue to be front and center in the main stream media, news coverage of the commercial real estate market is receiving very little press. What many don't know is that while to a less significant degree, the corporate real estate and corporate mortgage markets (an over $6 trillion market) have gone through a very similar period, as did the residential housing market.

The similarities were 1) The corporate mortgage market was sliced and diced by Wall Street to the amount of over $700 Billion, 2) Businesses property values jumped dramatically as a result of easy mortgage loans and the resulting demand and 3) These business(s) real estate loan requirements were lowered significantly (but not as much as residential home loan requirements) during the residential property boom. The main differences are 1) A lot less speculation was made in commercial properties and 2) Practically all businesses mortgage loans are shorter term loans. While less speculation, often in the form of flipping or even attempted flipping is a good thing, short term loans are a bad thing so business property owners don't have the luxury of time to wait out the market or economical ups and downs. In addition to this fact, many of the banks are not making corporate real estate loans except for the really large companies and those with pristine transactions.

Luckily, there are a few private commercial lenders who are filling some of the void left after the big banks deserted this market but even so, there are a lot of anxious business owners needing a company mortgage refinance loan. Many, however have neither the market value and equity in the property or sufficient income for debt coverage to allow them to get a mortgage. Numerous others are getting hard money to bridge the financing gap. If as many gurus forecast, the corporate market busts anywhere near to what happened in the housing market (and early indicators, such as delinquencies reflect this), it could be a massive hit to an already delicate economy. Time will tell.