Real Estate Bridge Loans
Market Direct Capital connects sponsors with private lenders, family offices, and private equity funds for short-term, interest-only bridge financing. We focus on speed, clarity, and a documented exit so your project can move forward without delay.
Where bridge capital fits
Use a private bridge when timing is critical or when the business plan requires improvements before a long-term takeout.
- Acquisition: Competitive closings, partner buyouts, and 1031 timing.
- Refinance: Payoff maturities, reset covenants, and improve DSCR.
- Renovation & value add: CapEx budgets with draws and milestone tracking.
- Lease-up carry: Reserves sized to plan while occupancy ramps.
- Specialty scenarios: Rent-replacement, bridge-to-SBA, and MCA to SBA transition when appropriate.
Typical terms
Structures vary by property, market, leverage, and sponsor experience. Common patterns include:
- Payments: Interest-only, sized to proceeds and reserves.
- Term: 6 to 36 months with extensions case by case.
- Proceeds: Purchase, payoff, CapEx, interest reserve, and closing costs.
- Security: Subject property first position when available. Cross-collateral and junior positions considered case by case.
- Exit: SBA, bank, DSCR, agency, or sale once performance supports it.
Property types
- Core: Multifamily, industrial, retail, office, mixed-use.
- Operational: Hospitality and self-storage with experienced operators.
- Special use: Case-by-case with a clear business plan.
Process
We keep documentation concise and aligned to underwriting so decisions arrive quickly.
- Read-out: Share goals, timeline, use of funds, and a quick data set. We confirm fit and next steps.
- Packaging: Executive summary, sources and uses, rent roll or T-12, and CapEx plan if applicable.
- Terming: Coordinate with decision-makers, size reserves, and align on exit.
- Closing: Title, appraisal, legal, and funding logistics with clear communication.
Related programs
- Private real estate loans for bridge or term needs.
- Private non-bank SBA 7(a) for long-term amortization when eligible.
- CDC/504 for owner-occupied real estate with fixed-rate second liens.
- MCA to SBA transition for borrowers under daily or weekly pressure.
Quick checklist
- ✔ Property address and type
- ✔ Use of funds and timeline
- ✔ Rent roll and T-12 if available
- ✔ CapEx scope and budget
- ✔ Exit plan and milestones
Advantages of private bridge capital
- Speed: Direct access to decision-makers.
- Flexibility: Structures matched to the plan.
- Clarity: Transparent terms and reserves.