Loan Program

Bridge Financing

Short-term capital when timing decides the deal — acquire, stabilize, or transition between financing stages.

Overview

Who this loan is designed for

Bridge capital exists for the gap: a closing date that cannot move, a property that needs to be stabilized before permanent financing, or a refinance that has not landed yet.

Bear City Capital reviews the asset and the payoff path, then works to structure interim financing that keeps the transaction on schedule.

Common uses

Time-sensitive acquisition with a hard closing deadline
Stabilizing a property before permanent financing
Bridging a timing gap between a sale and a purchase
Repositioning an asset ahead of a longer-term refinance

Illustrative scenarios only. Structure and eligibility are determined in underwriting.

Underwriting Focus

What Bear City Capital considers

Five things shape the conversation on every submitted deal.

Property

Current condition, value and marketability of the collateral.

Project

What has to happen during the bridge period.

Timeline

How quickly funding is needed and the length of the bridge.

Borrower

Experience executing on similar transitions.

Exit strategy

Defined payoff — sale, refinance or recapitalization.

How It Works

From Deal to Closing

Four steps from first conversation to funded capital.

01
Share Your Deal
Property, requested financing, project scope, timeline and exit strategy.
02
Review Options
Bear City Capital evaluates the opportunity and potential financing structures.
03
Complete Underwriting
Provide borrower and property documentation so the file can move efficiently.
04
Close and Execute
Complete closing and put the capital to work on the project.