Commercial Bridge & Interim Financing

Common uses

Bridge financing solves a timing problem, then gets replaced with cheaper permanent capital:

• Buy before you refinance — close quickly, then move to a term or CMHC mortgage
• Reposition a property — fund improvements or lease-up, then refinance on improved income
• Bridge a construction takeout — cover the gap between completion and permanent financing
• Time-sensitive opportunities a conventional approval can't close fast enough for

The trade-off

Bridge capital costs more — higher rate and fees — because you're paying for speed and flexibility. The math works when the bridge unlocks value (a better price, a repositioned asset, a deal you'd otherwise lose) that outweighs the extra carrying cost.

The exit is everything

The single most important part of any bridge is a clear, credible exit — the refinance or sale that pays it off. We pressure-test the income, timeline, and takeout lender with you first, so a bridge solves a problem instead of creating one.

What is commercial bridge financing?

Bridge financing is short-term commercial capital used to solve a timing problem — closing a purchase before a refinance, funding a repositioning before stabilization, or covering the gap between construction completion and permanent financing — and is then replaced by cheaper long-term debt.

What does commercial bridge financing cost?

Bridge capital costs more than permanent financing — a higher rate plus lender and broker fees — because you're paying for speed and flexibility. The math works when the bridge unlocks value (a better purchase price, a repositioned asset, or a deal you'd otherwise lose) that outweighs the extra carrying cost.

How long does a commercial bridge loan last?

Bridge terms are typically short — often 6 to 24 months — sized to your exit. The single most important part of any bridge is a clear, credible exit (the refinance or sale that repays it), which we pressure-test with you before recommending one.