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Commercial Real Estate

Commercial Real Estate Bridge Loans

Short-term financing for commercial properties.

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At a Glance

Funding Amount $500,000 - $60,000,000+
Term 12 Months - 5 Years
Overview

The Angel Funding Advantage

In commercial real estate, timing is everything. CRE Bridge Loans exist to solve this exact problem.

Bridge loans are also the right tool beyond simple renovations: managing a cash-flow interruption, building operating history ("seasoning") so an asset qualifies for permanent debt, holding an asset while you decide its long-term strategy, or bridging past a borrower credit blemish.

  • High leverage available
  • No minimum DSCR required
Commercial Real Estate Bridge Loans
The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

1

Asset Evaluation

We evaluate the "As-Is" value of the property and the "After-Repair Value" (ARV) based on your pro-forma.

2

Term Sheet

Our advisors handle this step for you and keep you informed at every stage.

3

Overview

Our advisors handle this step for you and keep you informed at every stage.

4

Closing & Execution

Funds for rehab are placed in escrow and released as you complete project milestones.

Who Qualifies?

  • Real estate investors and developers (LLCs/Corporations)
  • Properties with a clear value-add or transition narrative
  • Minimum credit score usually 650+ (though asset quality drives the deal)

Why Choose This Option

  • Asset-Based: Underwriting focuses on the property's potential, not just your personal tax returns — no minimum DSCR or debt yield.
Common Scenarios

How businesses use Commercial Real Estate Bridge Loans

Adaptive Reuse

Converting an abandoned industrial warehouse into a mixed-use retail and office space.

Seasoning & Track Record

Holding a recently repositioned asset while it builds the operating history permanent lenders require.

Recapitalization

Restructuring the capital stack on an existing asset to buy out a partner or return equity to investors.

FAQ

Frequently Asked Questions

Get the facts on Commercial Real Estate Bridge Loans.

What property types are eligible?
Multifamily (conventional, workforce, and affordable), retail, office, industrial, mixed-use, self-storage, and hospitality properties. Loan purposes include acquisition, refinance, and recapitalization.
What if the property doesn't cash flow yet?
That's exactly what bridge loans are for — there is no minimum DSCR or debt yield.
Are these loans recourse or non-recourse?
Larger loans for experienced sponsors are typically non-recourse with standard "bad boy" carve-outs. Smaller loans or higher-leverage deals may require a personal guarantee or additional guarantees.
How is the rehab money released?
Rehab funds are held in a lender-controlled escrow account. As you complete phases of the project, an inspector verifies the work, and the lender reimburses you (a "draw"). Earnouts are also available when you hit performance milestones.
Can I extend the loan if my plan takes longer than expected?
Yes.
What happens when the loan matures?
You must pay off the principal balance. This is typically done by refinancing into a permanent loan (like a CRE Term Loan) based on the new, higher value of the property, or by selling the asset.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call