Refinance Bridge Loans
Refinance bridge loans replace existing debt during transition periods — loan maturity, stabilization, or recapitalization — while you prepare for permanent financing. Flexible 12–36 month terms, fast closings, and structured to hand off cleanly to agency or bank debt.
About Refinance Bridge Loans
Refinance bridge loans are designed for transition situations — a maturing commercial mortgage, a property in lease-up before qualifying for agency debt, or a recapitalization event. Unlike a permanent loan takeout, refinance bridges are short-term (typically 12–36 months) and structured to hand off cleanly to permanent financing once the property or borrower meets stabilization criteria. They offer faster execution than a full permanent refinance with more flexibility on credit or property condition.
Key Features & Benefits
Everything you need to know about what makes Refinance Bridge financing a smart choice.
Replace Maturing Debt
Pay off existing debt coming due when permanent refinance isn’t yet available.
Up to 75% LTV
Tap existing equity for capital while maintaining debt service cushion.
Interest-Only Structure
Maximize monthly cash flow during the bridge period.
No Seasoning Requirement
No minimum ownership period — unlike many permanent cash-out refinance programs.
Partial Release Options
Release individual properties from portfolio bridge loans as they sell or refinance individually.
Clear Takeout Plan
Structured with agency/bank refinance, permanent CMBS, or sale as the defined exit.
Who Uses Refinance Bridge Financing
- Maturing commercial mortgage with no permanent takeout yet
- CRE in lease-up before qualifying for agency/bank debt
- Recapitalization event (partner buyout, estate planning)
- Property repositioning or capex investment period
- Consolidating multiple short-term debts into one bridge
- Tax or estate-driven timing constraints
- Preparing for CMBS or agency financing timeline
Qualifications & Eligibility
- Clear exit: permanent refinance or sale within 12–36 months
- Existing property or asset with defensible value
- Borrower liquidity 10%+ of loan post-close
- Credit 680+ preferred
- DSCR 1.10x+ acceptable (lower than permanent programs)
- Current loan is approaching maturity or borrower has transitional need
How It Works
Our streamlined process gets you from application to funding quickly.
Situation Review
We review your existing debt, property, and the transition path to permanent financing.
Term Sheet
Receive term sheet within 48 hours with rate, fees, and exit plan.
Due Diligence
Appraisal (if recent one not available), title, and borrower review — typically 14–21 days.
Close & Pay Off Existing Debt
New bridge loan closes and pays off existing maturing or high-cost debt simultaneously.
Transition to Permanent
Begin preparing permanent refinance 3–6 months before bridge maturity.
Why Choose Growth Fund Partners for Refinance Bridge
Frequently Asked Questions
Common questions about Refinance Bridge loans answered.
When should I use refinance bridge vs. permanent refinance?
Use a bridge when the property can\u2019t yet qualify for permanent debt (lease-up, recent renovation, borrower credit issue) or when you need to close fast. If the property is stabilized and you have time, go straight to permanent financing at lower cost.
Can I refinance a hard money loan into a bridge?
Yes — this is a common use, especially for real estate investors who need more than 12 months to complete a value-add business plan before qualifying for agency or bank debt.
Are refinance bridge loans more expensive?
Yes — typically 1–3% higher than permanent debt due to short term, higher risk, and flexibility. Offset by avoiding forced sale or enabling a value-add play.
What does the exit look like?
Typical exits: permanent commercial mortgage, agency multifamily (Fannie/Freddie/HUD), SBA 504, CMBS conduit, or sale. The exit plan is a key underwriting criterion.
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