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Independent Lending offers Commercial Bridge loans. Quickly tap into the equity of your existing property to purchase your new property. Contact us today!

  • Property Currently on the Market - OK!

  • Get Your Offer Accepted

  • Get Cash Prior to Selling

  • Fast Turn Around

  • Direct Commercial Hard Money Lender

Independent Lending

Independent Lending is one of the top commercial bridge loan lenders. With 40 years of combined mortgage experience and millions in funding each year, we specialize in helping commercial property owners with fast approvals and funding times. We have excellent customer service and competitive rates for our commercial bridge loans.

Contact us today to discuss your scenario and how we can assist with your mortgage lending goals.



What Sets Us apart


130 Five Star
  • 130 Zillow 5 Star Reviews
  • 5 Star Google Reviews
  • A+ Rating with BBB​


Loans Funded
$ 500 Million
  • 40 Years Mortgage Lending
  • Poor - Excellent Credit
  • Several Programs


Average Days to Fund
15 days
  • No Upfront Fees Ever!
  • Same Day Approval
  • Direct Lender

Commercial Bridge Loans

If you’ve been thinking about expanding your business footprint or opening a new location in states like California, Texas, Arizona, or Florida, now has never been a better time to buy a new commercial property using a commercial bridge loan.

For years, individual and commercial clients have utilized commercial bridge loan lenders for fast and flexible financing, a foundational tool fueling external growth long-term.

According to the National Association of Realtors, 
commercial real estate prices have started slipping, providing the perfect opportunity to aggressively pursue new commercial real estate ventures. Properties in poorer condition or improperly managed are prime acquisition targets.

Incorporating commercial bridge loans into your mortgage strategy means there’s no need to sacrifice business liquidity in order to improve your business’s long-term profitability.

Independent Lending is your preferred private commercial bridge loan lender that has worked with hundreds of businesses to identify the best ways to integrate commercial bridge loans into any existing strategic investment plan.


What are Commercial Bridge Loans

When lenders talk about commercial bridge loan financing, they aren’t talking about Florida’s Seven Mile Bridge or the infamous Golden Gate in San Francisco.

Commercial bridge loans, sometimes referred to as commercial real estate bridge loans, are a type of short-term, commercial mortgage loan offered by private money lenders that allow you to leverage equity in existing real estate to help purchase a new commercial property.

Some private money lenders also provide commercial bridge loans to help finance repairs or improvements to a commercial building to help improve its condition and marketability in anticipation of obtaining a long-term commercial loan.

If you have an existing investment plan or need help creating the right strategic financing strategy, Independent Lending can help you determine how a commercial bridge loan can benefit your business.

How Does a Commercial Bridge Loan Work

Commercial Bridge loans can function a little differently depending on which private money lender you choose to work with. Independent Lending tries to make the approval process for a new commercial bridge loan as seamless as possible, by providing instant quotes, no upfront fees, and a common-sense approach to credit approval decisions.

One of the best benefits to using commercial bridge loans is that they allow you to take advantage of commercial real estate opportunities immediately. That way you don’t have to continue searching for a more affordable property, go through lengthy loan approval processes, or lose out on buying opportunities to competitors.

For example, a long-term commercial loan can take a few months to close. If you are working on a loan from the Small Business Administration (SBA, it can take upwards of three months to fund from initial application submission. 

In comparison, commercial bridge loans from Independent Lending can be funded in a matter of days making them a more efficient commercial real estate financing solution.

Commercial Bridge Loan Terms

One of the key characteristics of commercial bridge loans is that they are temporary, short-term loans, meaning most have a loan term ranging anywhere between 6 to 60 months. Traditional commercial mortgages can have much longer loan terms, that can extend 20 to 30 years or more.

Similarly, commercial bridge loan lenders can structure commercial bridge loans in a variety of ways. This makes commercial bridge loans quite malleable, fitting into any purchase strategy or investment plan.

It’s important to understand that many private lenders lean towards setting up commercial bridge loans under a interest only model, meaning your payment will be lower compared to an amortized loan.

In contrast, other lenders may structure your commercial bridge loan using a factor rate, which requires you to repay a certain amount based on the principle borrowed regardless of early repayment.

Independent Lending prides itself on building trust with its clients, so it is always transparent about its commercial bridge loan terms and qualification requirements. There are also never any upfront charges or fees.

Commercial Bridge Loan Property Types

There are many types of commercial real estate that commercial bridge loan lenders can help finance. Some of the most common property types include multifamily, retail, office, and industrial buildings.

Commercial bridge loans from private money lenders rely on lower loan-to-value (LTV) ratios compared to traditional lenders, meaning you may only be able to borrow between 60-65% of your properties current fair market value.

In some cases, private lenders have been known to offer more flexible loan-to-value (LTV) requirements for commercial bridge loans secured by multifamily properties, since there is a greater demand for these property types. Nevertheless, it’s not always a guarantee.

If you have a specific commercial property type and are interested in commercial bridge loans, it’s always best to contact Independent Lending directly to see how our commercial bridge loan programs fit your credit request.

Commercial Bridge Loan Rates

There’s a lot of upsides to integrating commercial bridge loans into your company investment strategy. However, because commercial bridge loans provide so much upside, they also come with a cost.

Compared to long-term commercial loans from a traditional bank or credit union, the interest rate on commercial bridge loans from a private money lender can be higher.

Nevertheless, not all private lenders consider the same criteria when approving a new commercial bridge loan. This can have an impact on pricing, which is also why interest rates can also fluctuate from lender to lender.

Independent Lending offers some of the lowest interest rates and fees for commercial bridge loans in the industry. Our instant quote model lets you shop and compare our leading commercial bridge loan programs to make sure you’re getting the best deal.

Need a Commercial Bridge Loan?

Dusk view of a modern home - Achieve your real estate dreams with our trusted Sacramento hard money lender services!

Residential Bridge Loans

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Commercial Bridge Loans

Who Can Get a Commercial Bridge Loan

Commercial bridge loans typically work best if you are a commercial borrower or a real estate investor with the goal of borrower against your current commercial property in either California, Arizona, Texas, or Florida.

Independent Lending recommends the use of commercial bridge loans as a tool to help fuel the expansion of commercial operations. Commercial bridge loans are also a great way for real estate investors to acquire additional multifamily rental properties.

If you are looking to finance an owner-occupied single-family residence or other residential (1–4-unit property), we also offer 
residential bridge loans.

Commercial Bridge Loan Highlights

(State Specific)

Getting a Commercial Bridge Loan from Independent Lending

There are several ways commercial bridge loans can help boost your bottom line. Commercial bridge loan programs are some of the best financing tools accessible to individuals and businesses.

But despite how powerful commercial bridge loans can be, not many private lenders offer commercial bridge loan programs. If you do manage to find a few commercial bridge loan lenders, chances are their programs vary greatly.

Independent Lending continues to be your premier commercial bridge loan lender that offers great flexibility and faster approvals compared to other private money lenders. Prioritizing service and efficiency, you can get the funds you need in just a few days.

With over $500 million loans funded, clients cannot be more excited about how our commercial bridge loan programs have helped them meet their financial objectives.

How We Can Help

Real World Scenario

Independent Lending provided a $80,000 bridge loan on an investment property in Vallejo, California. The loan was secured by a single-family residence with an appraised value of $595,000. The homeowners requested the funds to put a down payment on a new purchase and conventional financing was taking too long. The borrower did not want to lose the opportunity and get beat out by other offers. We were able to complete the new loan within 2 weeks. Income and credit were not a major factor in the approval process.

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Frequently Asked Questions About COMMERCIAL Bridge Loans

Yes, they are also known as: bridging loan, bridge financing, bridge loan mortgage, bridge mortgage, gap financing, caveat loan, interim financing, and swing loan.

Typically it can take two to three weeks to fund your new bridge loan. We understand the urgency and will make it a priority to obtain funding as soon as possible. We fund residential and commercial bridge loans in Arizona, California, Florida and Texas.

No down payment is required. The equity in your commercial property replaces the typical down payment.

Need a Commercial Bridge Loan?


Contact Independent Lending

Call Toll Free: 1.800.315.0043 / Local: 949.830.3151 or click the Contact Us button to fill out our secure web form for a call back. At Independent Lending, we give every loan request the respect it deserves.

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