Loan Programs / Bridge Loans
Bridge Loans for Commercial Property
Short-term capital that closes in weeks, not months — buy before you sell, rescue a lapsed commitment, or reposition a property while you arrange permanent financing.
Submit a Bridge Scenario →This is for you if…
Check all that apply.
Terms & cost
| Loan amount | $250K – $15M |
|---|---|
| Today’s rate range | 8.1% – 9.6% interest-only · updated dailyas of Thu, Jun 25 |
| Max leverage | 75% of property value |
| Term | 6 – 24 months |
| Typical fees | 1–2 points, paid at close — nothing upfront, ever |
| Prepayment | Typically none after month 3 |
How is the rate set?
Pegged to the SOFR benchmark (live via FRED & the New York Fed) plus a spread of 4.5–6% depending on the deal. When the market moves, this table moves with it.
No lengthy forms, no wasted time — just the information we need to move forward.
What happens after you submit
A complete file moves fastest. For a Bridge scenario, we’ll request:
- Purchase contract or payoff statement
- Personal financial statement
- Rent roll / operating statement (if income property)
- Exit summary — sale comps or refi terms
- Entity docs (LLC operating agreement)
Bridge loan questions
What does Smply Capital charge?
A broker fee, earned only when your loan closes — depending on the deal it’s paid by you, the lender, or both, and it’s disclosed in a written broker agreement before your file goes to any lender. Nothing upfront, ever: scenario review, consultation, and evaluation are free, and if your deal doesn’t close, you don’t pay us.
Do I need perfect credit to get started?
No. Bridge lenders underwrite the asset and the exit first: the property’s value, your equity in it, and how the loan gets repaid. Credit is one factor among several — tell us your full picture upfront and we take the deal to the lenders who underwrite that way.
What if my exit gets delayed?
Most bridge loans carry built-in extension options — commonly 3–6 months for a modest fee. If the sale slips or the refi takes longer, you extend rather than default. We flag the extension terms in every option you see, before you pick one.
Bridge vs hard money — which am I?
Both are short-term and asset-based. Bridge suits stronger files: institutional-leaning lenders, lower rates, a little more underwriting. Hard money is faster and more forgiving on credit and documentation, at a higher price. If you qualify for both, bridge is usually cheaper — and we’ll tell you which side your deal lands on.
Who actually sees my deal?
Only the lenders we know close this loan type — and only them. Your file goes to them directly. No mass distribution, no marketplace listing, no one sees your deal who doesn’t need to.
Is a bridge loan the right fit?
Still weighing it? The 30-second quiz sorts all 6 programs →
Ready to structure your next deal?
Reviewed by a human broker. Response within 1 business day.
Submit Scenario →