Commercial RE Bridge
Bridge the gap on commercial acquisitions.
What is Commercial RE Bridge?
Commercial bridge loans provide short-term financing to acquire, reposition, or stabilize commercial properties — before permanent financing is secured. The typical use is acquiring a value-add property, improving occupancy or NOI, then refinancing into a CMBS or agency loan at a favorable rate. Luma underwrites commercial bridge loans based on the property's business plan and exit strategy, not just current cash flow.
Key benefits
- Based on property value and business plan — not current stabilization
- Close in 10–21 days on qualifying transactions
- Interest-only structure minimizes carry costs during lease-up
- Available for acquisition, refi, or equity recapture
- Sponsors with prior commercial experience preferred but not required
Requirements
Loan Amount
$100K–$5M
LTV
Up to 70%
Term
6–36 months
Exit Strategy
Required
How it works
Submit the opportunity
Share the property type, location, current occupancy, purchase price or value, and your 12–24 month business plan.
Term sheet in 48 hours
Our commercial underwriting team reviews the business plan and delivers a term sheet with loan amount, rate, points, and close timeline.
Close and execute your plan
Close in 10–21 days. Implement your value-add strategy. Refinance into permanent debt at stabilization.
When to use Commercial RE Bridge
The right fit for your situation
Commercial acquisitions
Purchase retail, office, industrial, or flex commercial properties where conventional lenders won't move fast enough.
Value-add repositioning
Acquire underperforming commercial assets — renovate, reposition, re-tenant, and refinance at stabilized value.
Mixed-use properties
Retail-over-residential, office-over-retail, and similar mixed-use assets are well-suited for bridge financing while occupancy is built.
Lease-up period
Newly constructed or recently vacated commercial properties often can't access permanent debt until occupancy reaches 85%+. Bridge loans fill that gap.
FAQ
Common questions about Commercial RE Bridge
Ready to get Commercial RE Bridge?
Apply in 60 seconds. No hard credit pull.