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Commercial

Commercial bridge loan

The short answer A commercial bridge loan can support a property in transition while you make improvements, lease up, sell or line up permanent financing. It is normally temporary and may have floating pricing, extension conditions and a set payoff date. The lender's property and leverage rules decide whether it's available.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • Your property needs work or lease-up before it can get long-term financing.
  • You have a clear plan, budget and timeline for the transition.
  • You have a realistic exit, such as a sale or permanent loan.

Tradeoffs to weigh

  • It's short term, so a delay can leave you facing the payoff date.
  • Pricing may float, and extensions come with conditions and fees.
  • Extensions depend on the commitment's terms and the lender's discretion.

What to have ready

  • Your plan for the property and the budget.
  • Current occupancy and how you expect it to change.
  • The timeline you need.
  • How you plan to pay off the loan: sale or permanent financing.

Questions people ask

Can I count on getting an extension?

No. Read the conditions, fees and lender discretion in the actual commitment.

Can a vacant property qualify?

Some lenders consider vacant properties, but that doesn't make every project eligible.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

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Related topics

Small-balance commercial loan Larger commercial loan Owner-occupied commercial loan Investor commercial loan SBA 7(a) loan SBA 504 loan See the loan programs All topics
Marcus Wright
Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

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I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

  1. 1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
Contact

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Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.

I aim to get back to you within a few working hours, often sooner.

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