California Commercial Bridge Loan Lender
Fast Short-Term Financing for Real Estate Investors — Closings in Days, Not Months
With over 30 years of direct lending experience, MKK Capital provides California commercial bridge loans for investors who need speed, flexibility, and a lender who understands the deal. Whether you’re acquiring a commercial property, renovating a multifamily building, or pulling cash out of an existing asset, we can close quickly when banks can’t.
Call (310) 341-0306 for a free, no-obligation quote.
What Is a Commercial Bridge Loan?
A commercial bridge loan is a short-term financing solution — typically 12 to 24 months — that helps real estate investors secure or stabilize a property while they arrange permanent financing. It’s sometimes called a swing loan, gap financing, or interim financing. The core purpose is simple: move quickly on an opportunity when traditional lenders can’t keep up.
In California’s competitive real estate market, the difference between closing a deal and losing it is often just a matter of days. As a direct private lender, MKK Capital evaluates your scenario asset-first, makes a decision fast, and funds while conventional lenders are still requesting more paperwork.
Who Should Consider a California Commercial Bridge Loan?
Bridge financing is the right tool when you face a timing gap between where you are and where your deal needs to go. Common scenarios include:
- Acquiring a commercial or multifamily property before your existing property sells or refinances
- Funding a value-add renovation on an office, retail, industrial, or apartment building
- Cash-out refinancing to access equity tied up in an investment property
- Stabilizing a property before transitioning to a long-term conventional or agency loan
- Bypassing a bank turndown due to credit issues, property condition, or unconventional income
If your deal is solid but a bank said no — or simply can’t move fast enough — a private bridge lender is the right call.
Loan Programs We Offer
MKK Capital provides both commercial bridge loans and residential bridge loans for non-owner-occupied investment properties across California and select markets nationwide.
Property types we finance include:
- Multifamily properties (2–4 units and larger apartment buildings)
- Mixed-use buildings
- Office and retail properties
- Industrial and warehouse properties
- Single-family investment properties
- Vacation rentals and short-term rental properties
We offer first-lien mortgage financing with interest-only payment options for 1 to 2 years, and loan terms with 3, 5, or 7-year fixed-rate components. Loans can be amortized over 30 or 40 years depending on the scenario.
We work with: credit-qualified investors, credit-impaired borrowers, borrowers with recent bankruptcies or foreclosures, self-employed borrowers, and investors who don’t qualify under conventional income documentation requirements.
Rates, Terms & Loan Details
Pricing is scenario-specific and based on property type, loan-to-value, borrower credit, and deal complexity. Here’s what to expect as a general guide:
- Loan terms: 12 to 24 months (extensions available)
- Loan-to-value (LTV): typically up to 65–75% depending on property and borrower profile
- Interest rates: competitive with California’s private lending market; contact us for a quote based on your specific deal
- Payments: interest-only available during the bridge period
- Origination fees: 1–3% depending on complexity and closing timeline
- Prepayment: flexible — ask about programs with no prepayment penalty
Recourse vs. Non-Recourse Bridge Loans
When evaluating your financing options, it’s important to understand the difference between recourse and non-recourse loans.
A recourse loan means the lender can pursue the borrower personally if the collateral doesn’t cover the balance in a default scenario. Because lenders have more recovery options, these loans typically carry lower rates.
A non-recourse loan limits the lender’s recovery to the collateral property only — the borrower has no personal liability beyond the asset. This structure carries higher interest rates to reflect the lender’s increased risk, but is attractive to investors who want to limit personal exposure.
MKK Capital offers both structures. We’ll walk through which option fits your deal and financial position during your free consultation.
Why Choose MKK Capital for Your Bridge Loan?
Direct private lender — no middlemen. Unlike mortgage brokers or correspondent lenders, MKK Capital is a direct lender. That means faster decisions, fewer conditions, and a single point of contact from application to close.
30+ years in California real estate lending. We’ve financed complex deals across Los Angeles, San Diego, Orange County, Sacramento, Fresno, San Francisco, and beyond. We understand California property markets and move at the speed they demand.
Common sense underwriting. We evaluate the asset, the deal, and your exit strategy — not just a credit score. Many of our clients came to us after being turned down or delayed by a bank due to credit blemishes, property condition, or income documentation challenges.
Flexible loan structure. Our bridge programs are designed so you can eventually transition into the most favorable permanent financing once the property is renovated, repositioned, and rents are stabilized.
Qualifying for a Commercial Bridge Loan
Approval for bridge financing focuses heavily on the property’s current value, the strength of your business plan, and your exit strategy. Here’s what we typically look at:
- Property value and LTV — the collateral drives the approval
- Exit strategy — refinance, sale, or transition to permanent financing
- Loan purpose — acquisition, renovation, cash-out, or stabilization
- Borrower experience — relevant for more complex value-add projects
- Available liquidity — most lenders want to see funds to cover carrying costs
Borrowers with less-than-perfect credit or prior foreclosures are welcome. The deal matters more than the file.
Frequently Asked Questions
How fast can you close?
MKK Capital is designed for speed. Most bridge loans close significantly faster than conventional financing — contact us with your scenario for a realistic timeline.
What’s the difference between a bridge loan and a hard money loan?
The terms are often used interchangeably in the private lending world. Both are short-term, asset-based loans from non-bank lenders. “Hard money” refers to the collateral-focused underwriting approach, while “bridge loan” refers to the loan’s purpose — bridging a financing gap. Many bridge loans are hard money loans.
Can I get a bridge loan with bad credit or a recent bankruptcy?
Yes. We regularly work with borrowers who have had credit challenges, prior foreclosures, or recent bankruptcies. Asset value and exit strategy are far more important to our approval decisions than credit score alone.
What is your service area?
We primarily lend in California — including Los Angeles, San Diego, Orange County, Sacramento, Fresno, and the Bay Area — but also finance investment properties in many markets across the country.
How do I get started?
Call us at (310) 341-0306 or click the button below to submit your scenario. We’ll respond quickly with a free loan evaluation.
Get a Free Bridge Loan Quote
Ready to move on your next deal? MKK Capital has the capital, the experience, and the speed to help you close. No obligation — just a straight answer on whether we can fund your loan and on what terms.
Call (310) 341-0306 or click GET STARTED to submit your scenario.