Flexible Bridge Loans with High LTV and Common Sense Underwriting –
Exclusively for Loan Brokers
KCG Bridge Loan Program
Use a bridge loan to help your borrower quickly take down a deal, then transition them to long term financing.
Watch: Brock Freeman on what we do for loan brokers
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Loan Amounts $200k to $1.5M.
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High LTV Purchase and Cash Out.*
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Direct Portfolio and Make Sense Underwriting.
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We love Small Towns.
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Multifamily and Commercial Property
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12, 18, and 24 months interest only, extensions available. Rates starting at 8.49%
*Our private bridge product allows a seller second mortgage option up to an 85% CLTV (Cumulative-Loan-to-Value). Learn more here.
We love seeing these properties
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Auto Repair
Max LTV: 70%
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Car Wash
Max LTV: 70%
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Day Care
Max LTV: 70%
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Hotel/Motel
Max LTV: 70%
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Laundromat
Max LTV: 70%
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Light Industrial/Warehouse
Max LTV: 70%
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Medical Office
Max LTV: 70%
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Mixed Use
Max LTV: 75%
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Multifamily 5+ Units
Max LTV: 80%
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Restaurants/Bar
Max LTV: 65%
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Retail
Max LTV: 70%
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Self-Storage
Max LTV: 70%
| Property Type | Max LTV |
|---|---|
| Garage/Storage | 70% |
| Office Building | 50% |
| Office/Retail | 70% |
| Resorts | 60% |
| Specialty | 65% |
| Sports & Entertainment | 65% |
Other Properties We Lend On
The LTV for a loan may be lowered from the maximum due to location economic or other factors.
LTVs are calculated on lower of as-is value or purchase price. We do not use ARV or LTC to calculate loan amounts.
On purchases, we do not lend funds for renovation.
We don't do Raw Land, Ground-up Construction, Assisted Living, Bed and Breakfast, Gas Stations, or Mobile Home Parks.
Do you have any questions?
Try asking our lending assistant by clicking the icon in the lower right-hand corner of the page.
We Lend in Most States*
*All states except HI, CA, ND, AK.
Now that you've reviewed our bridge loan program, submit your scenario for a fast yes/no.
Frequently Asked Questions
What is a bridge loan?
A bridge loan is short-term financing that bridges a gap until a longer-term solution is in place. In commercial real estate, it typically covers an acquisition, a refinance or a transitional period for the property.
When should I use a bridge loan?
Common use cases include:
Fast property acquisitions.
Transitional properties with a renovation plan.
Refinancing a property
Temporary capital needs during lease-up.
Timing mismatches between a purchase and the sale proceeds that will repay it.
How do bridge loans differ from hard money or term loans?
Bridge loan vs. hard money: Hard money loans generally rely more heavily on the collateral. Bridge loans place more weight on the property’s cash flow and the borrower’s exit strategy.
Bridge loan vs. term loan: Term loans have longer durations, typically with amortization and often lower pricing. Bridge loans are short-term, interest-only and designed for speed.
Who uses bridge loans?
Your clients may be real estate investors, sponsors or small-to-mid-market operators who need speed and flexibility on income-producing or transitional commercial properties.
How fast can I get a commercial bridge loan quote?
The Rapid Loan Scenario Check targets an initial response in one business day using the essential deal facts; supporting documents are optional. If the challenge is accepted, a Loan Quote follows in two business days once the quick application is complete. Timing begins when the required information for each stage is complete.
How do brokers get paid on a commercial bridge loan?
On Kirkland CRE Bridge loans, broker compensation is identified in the term sheet and included in the loan documents. The approved broker fees are paid directly from escrow at funding.
What are the loan amounts and terms for a CRE bridge loan?
Kirkland CRE Bridge loans range from $200K to $1.5M for purchases and cash-out refinances, with 12, 18 or 24 month interest-only terms; extensions are subject to approval. Maximum LTV depends on property type: up to 80% for multifamily with 5+ units, 75% for mixed-use, 70% for many commercial types such as retail, warehouse and self-storage, 65% for restaurants, specialty and sports properties, 60% for resorts, and 50% for office buildings. LTV is based on the lower of the purchase price or as-is value and does not include renovation funds. These are maximums, not guarantees.
Do you offer commercial bridge loans in small towns?
Yes. Kirkland CRE Bridge finances commercial properties in small towns and non-primary markets, including secondary, tertiary and rural markets, subject to local economics, collateral quality and underwriting. CRE Bridge loans are available in all states except California, Hawaii, North Dakota and Alaska.
Can a seller carry a second mortgage on a commercial bridge loan?
Potentially. On eligible Kirkland CRE Bridge purchase transactions, an approved seller second mortgage may bring combined leverage to as much as 85% cumulative loan-to-value (CLTV), subject to structure review and underwriting. Read more about it here.