Bridge Financing for Commercial Real Estate
Nationwide Bridge Solutions • Acquisition • Recapitalization • Value-Add Assets
Commercial bridge financing is short-term, transitional capital used by sponsors to acquire, reposition, recapitalize, or stabilize commercial real estate while preparing for permanent financing or sale. Bridge debt is underwritten against the asset's business plan, liquidity durability, and exit strategy rather than current in-place cash flow alone. Cornovus Capital structures bridge and structured debt nationwide across primary, secondary, and tertiary markets, supporting hospitality, multifamily, retail, office, industrial, mixed-use, and specialty commercial assets. With more than 70 years of combined capital markets leadership experience, Cornovus Capital applies institutional discipline and capital markets precision at every phase of the engagement, aligning each transaction with the sponsor's business plan, liquidity profile, and exit.
Our advisory team manages the full bridge process from initial underwriting and third-party diligence coordination through lender interface, structuring, and closing execution, ensuring clarity and execution certainty throughout the transaction. Bridge transactions typically range from $3 million to $100 million per asset with portfolio executions reaching $200 million and above, 6 to 36 month interest-only terms, and leverage to 85% loan-to-cost using cross-collateralization or equity pledges. For sponsors evaluating commercial bridge financing, Cornovus Capital structures bridge and structured debt for acquisitions, recapitalizations, repositioning, lease-up financing, and refinance timing gaps, with capital placed through pre-qualified institutional and private debt partners matched to the transaction.
Typical Bridge Loan Terms
| Eligible Markets | Nationwide, primary, secondary, and tertiary markets |
| Property Types | Hospitality, multifamily, retail, office, industrial, mixed-use, and specialty commercial |
| Loan Size | $3 million to $100 million per property; portfolios to $200 million and above |
| Term | 6 to 36 months with extension options |
| Leverage | Up to 75 to 85% LTC or cost coverage using cross-collateralization or equity pledges |
| DSCR | Interest-only; DSCR flexibility for qualified sponsors |
| Collateral | First-mortgage position; cross-collateralized when applicable |
| Rate | Market-driven floating or fixed rates based on risk profile |
| Amortization | Interest-only during term |
| Recourse | Non-recourse; partial recourse available case-by-case |
| Closing Timeline | 10 to 30 days after executed term sheet and due diligence |
| Eligible Borrowers | Developers, investors, and operators with qualified experience |
Key Details
- Fast closings: Typically 10 to 30 days with trusted bridge capital sources.
- Flexible terms: 6 to 36 month interest-only structures with extensions.
- High leverage: Up to 85% LTC using cross-collateralization or equity pledges.
- Transitional assets: Funding for non-cash-flowing or value-add projects.
- Renovation and CapEx: Construction draws and improvement reserves.
- Exit alignment: Structured for HUD, CMBS, LifeCo, or sale takeouts.
Who Qualifies for Bridge Financing?
- Developers and sponsors executing construction or adaptive reuse projects.
- Investors seeking acquisition or refinance strategies with value-add potential.
- Business owners using bridge financing to expand or recapitalize operations.
- Portfolio owners needing interim capital between ownership cycles or takeouts.
About Cornovus Capital
With more than 70 years of combined capital markets leadership experience, Cornovus Capital is a national institutional commercial real estate and business capital advisory firm. Led by principals and senior advisors across institutional credit, capital placement, asset management, and hospitality ownership, we perform institutional-grade underwriting on every engaged transaction and place credits with pre-qualified capital partners matched to the transaction's credit profile, structure, asset class, and geography.
Our expertise spans seven debt silos: Bridge and Structured Debt, SBA 7(a), SBA 7(a) 100% CRE, SBA 504, CMBS and Conduit, Conventional Multifamily (Agency and LifeCo), and Student Housing, with a Hospitality Owner's Representation overlay led by principals with direct owner-operator experience across the full asset lifecycle. Our quantitative underwriting platform applies institutional credit standards across every transaction, delivering depth, consistency, and turnaround speed.
For insight into the broader interest rate and monetary policy environment influencing commercial real estate financing, visit the Federal Reserve's Monetary Policy resources for insights into national commercial real estate performance.
Connect with Cornovus Capital
Bridge financing supports transitional, value-add, and time-sensitive transactions nationwide, with debt fund and institutional capital active across hospitality, multifamily, retail, office, industrial, mixed-use, and specialty commercial assets in primary, secondary, and tertiary markets. For active acquisition, refinance, recapitalization, or expansion opportunities, begin with the appropriate financing request. For early-stage discussions, use our inquiry path to confirm program fit and execution strategy.
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