Bridge Loans for Lease-Up & Stabilization (Nationwide)
Bridge loans for lease-up and stabilization provide short-term capital for commercial properties that are improving occupancy, increasing NOI, or transitioning from underperformance to stabilized performance. These loans are essential for investors who acquire assets not yet eligible for long-term financing.
What Is a Lease-Up Bridge Loan?
A lease-up bridge loan is a short-term, interest-only loan used to finance a commercial property during the period when occupancy is increasing, tenants are being added, rents are being adjusted, NOI is improving, and stabilization is underway. These loans are ideal for properties with strong long-term potential that require time and capital to reach full performance.
Eligible Property Types
- Multifamily
- Retail centers
- Office buildings
- Industrial properties
- Mixed-use assets
- Self-storage
- Mobile home parks
- Hospitality (case-by-case)
Common Use Cases
Newly Renovated Properties: After renovations, properties often need time to attract tenants and increase occupancy to levels required by permanent lenders.
Re-Tenanting Strategies: Retail and office assets frequently require new tenants or an improved tenant mix before qualifying for long-term financing.
Distressed or Underperforming Assets: Bridge loans support turnaround strategies that improve occupancy and cash flow over time.
New Ownership Transition: New management or operational improvements often take time to produce measurable financial results.
Typical Terms
- Loan amounts: $1M – $50M+
- Leverage: Up to 75% LTV
- Terms: 12–36 months, interest-only
- Non-recourse available