Distressed
Distressed Business Purpose Bridge Loans
When a borrower is facing foreclosure, loan maturity, default, or other urgent financial pressures, traditional lending sources typically aren’t an option. Market Direct Capital™ specializes in Distressed business-purpose bridge loans, providing fast, asset-based solutions to stabilize a situation and avoid costly consequences.
These loans are tailored for borrowers in need of rescue financing, payoff relief, or debtor-in-possession (DIP) strategies. We focus on the value of the collateral and the plan for recovery—not the borrower’s credit score or financials. In many cases, we can fund without an appraisal or personal income documentation.
Our funding partners include family offices, private equity funds, debt funds, high-net-worth individuals, federal banks, and insurance companies. With direct access to private capital, we structure creative, short-term loan solutions with interest-only payments and terms from 6 to 36 months.
These bridge loans are available nationwide (where permitted) for commercial, industrial, investment residential, and special use properties. Our goal is to move quickly, secure the property, and give borrowers the time needed to execute a turnaround or exit strategy.
Situations We Address
- Imminent Foreclosure: Rescue capital to pay off or restructure a maturing or defaulted loan
- Debtor-In-Possession (DIP): Funding to support operations during bankruptcy reorganization
- Balloon Loan Maturities: Bridge financing when permanent financing is delayed or unavailable
- Distressed Asset Purchase: Opportunistic acquisition of underperforming or non-performing real estate
Distressed Bridge Loan Program Details
| Loan Amounts | $1,000,000 to $25,000,000 |
|---|---|
| Loan Terms | 6 to 24 months Interest Only |
| Interest Rate | As low as 14% |
| Origination Points | 4% to 6% |
| Exit Fee | 0% to 1% |
| LTV | Up to 55% |
| Lien Position | 1st Position (2nd position considered) |
| Geography | Nationwide (where allowed by law) |
| Minimum FICO | 580 (540 with a strong story) |
| Recourse | Full Recourse |
| Property Types | Multifamily, industrial (flex or warehouse), retail, office (diverse mix of tenants), self-storage, mixed-use, hospitality, mobile home parks, marinas, medical office, single family (non-owner occupied), condominiums, gas stations, and special use assets. |
| Loan Purposes | Acquisitions, refinance, cash-out, partner buy-outs, construction, renovations, debt consolidations, soft costs, and working capital. |
When timing is critical and other lenders have said no, Market Direct Capital™ is ready to deliver creative funding support. Contact us today to discuss your distressed loan scenario.