Multi Family/Mixed Use Bridge Loans

Commercial Real Estate BRIDGE LOAN PROGRAM

For non owner occupied real estate investments

Express Capital Financing’s Commercial Real Estate Bridge Loan Program provides attractive financing solutions to execute a short-term strategy

$500,000-$10 Million


Properties We Finance:

Multi Family 


Up to 80% LTV on Purchase
Up to 85% Loan to Cost
Up to 75% of Stabilized Value
Up to 70% Cash Out Refinance
Up to 100% of Rehab

Other CRE Property Types

Up to 75% LTV
Up to 80% Loan to Cost
Up to 70% Stabilized
Up to 100% of Rehab
Cash Out Refinances

Institutional Capital

  • Direct Lender
  • Competitive rates and terms
  • Nationwide Lending Platform
  • Loans custom-tailored to meet borrower’s unique needs
  • Capex and Rehab capital available
  • Recourse
  • Flexible prepayment provisions
  • Broker submissions welcomed


Typically 12 to 36 months during the initial loan term
No pre-payment penalty


Fixed Rate Starting at 10%+
Please contact for lending matrix and current pricing


Interest only

Filling In The Gaps With Bridge Loans

Express Capital Financing is an active lender in commercial real estate, providing bridge capital for small and medium balance transactions.

Uses of proceeds include:

  • Quick close transactions
  • DPO financing
  • Debt refinancing and restructuring
  • Partner buyouts
  • Repositioning of transition assets requiring some renovation and TI/LC funds

Our bridge loans are tailored to meet your specific needs, and offer such features as:

  • Loan amounts between $500k – $10M
  • Nationwide Lender
  • Interest only amortization
  • Time of essence issues
  • Partnership Buyouts
  • Distressed or Transitional borrowers (credit or liquidity issues, bankruptcy)
  • Bridge the seasoning gap for agency or CMBS takeouts
  • Terms up to 80 LTV

Interest rates on our bridge loans are structures around the value of the property used as collateral.

Documentation Required for Term Sheet

  • 3 Color Photos or Old Appraisal
  • Personal Financial Statement
  • 2020,2021 + YTD Profit and Loss
  • Operating Agreement/By-Laws
  • Rent Roll (if applicable)
  • Purchase Sales Agreement (if purchase)
  • Hud-1 (if purchased in the last 3 years)
  • Resume / Background
  • List of Improvements Made / Required

Rates & Terms

View Rates & Terms

Guildelines Criteria
Loan Type Senior first mortgage loans only
Loan Amount $500k – $10M
Maximum Term Up to 3 Years
Amortization Interest Only
Loan to Cost Up to 85%
Stabilized Target Loan to Value 75% Multifamily
Rates as low as 10%+
  • Nationwide Platform
  • Full or partial recourse to borrower
  • Interest reserves if no in-place cash flow available
  • No dark buildings, land deals or ground up construction
Property Types Multifamily
Minimum Credit Score 650 or higher
Liquidity/Net worth 15%/% 100% of loan amount


Documentation Required for Term Sheet

  • Detailed summary of loan request
  • Borrower track record
  • Current and/or Projected rent roll
  • Rehab budget
  • Purchase Contract (if available)
  • Personal Financial Statement
  • 3 score credit report (if available)
Rehab Budget Template
Track Record Template
Credit Authorization
Personal Financial Statement
Go to commercial bridge loan application