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Estimate your monthly payments, origination fees, and total costs for a commercial bridge loan. Get a quick understanding of your financing costs before you apply.
Estimate your monthly payments and total costs for a commercial bridge loan. Bridge loans are typically interest-only with terms of 12-36 months.
This calculator provides estimates only. Actual rates and terms depend on property type, location, borrower qualifications, and market conditions. Contact us for a personalized quote.
Key Takeaways
Commercial bridge loans are short-term financing solutions designed for speed and flexibility. While they carry higher interest rates than traditional bank loans, their value lies in enabling time-sensitive acquisitions and value-add projects that would otherwise be impossible.
The higher cost of a bridge loan is often justified when the speed of closing allows you to secure a deal at a favorable price, or when the value you create through renovations exceeds the financing costs. Think of bridge loan costs as an investment in opportunity.
78%
of commercial real estate investors prefer bridge loans for time-sensitive acquisitions
Source: CBRE Research
5-15 days
typical closing time for bridge loans vs 60-120 days for traditional financing
Source: Mortgage Bankers Association
$89.3B
commercial bridge loan originations in 2023
Source: Mortgage Bankers Association
8-13%
typical interest rate range for commercial bridge loans
Source: Clear House Lending Market Data
Bridge loan payments are typically interest-only, calculated by multiplying the loan amount by the annual interest rate divided by 12. For example, a $1M loan at 10% would have a monthly payment of approximately $8,333.
Bridge loans typically include origination fees (2-4 points), appraisal fees, legal fees, and sometimes exit fees. Origination points are a percentage of the loan amount charged upfront.
Most commercial bridge lenders offer 65-80% loan-to-value (LTV), though some may go higher based on the property's after-repair value (ARV) for value-add deals.
This calculator provides estimates only. For an accurate quote based on your specific property and situation, contact our team for a free consultation.
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