Commercial Bridge Loan Canada

Bridges are about speed and clarity. We match the loan to your timeline, business plan, and exit, then bring targeted quotes that fit the risk and market. Use cases include firm purchase dates, refinance of maturing loans, capex and TI packages, and carrying inventory while leasing or selling.

Who We Serve

• Investors with firm purchase deadlines or maturing debt

• Owners planning value-add improvements or re-tenanting

• Developers needing time to stabilize before term financing

• Sponsors preparing CMHC or conventional take-out

Properties We Finance

• Multi-unit residential (5+): Rental buildings, with CMHC take-out options

• Industrial: Warehouses, strata bays, flex, light manufacturing

• Office: Medical and professional, suburban and downtown, condo or freehold

• Retail & Mixed-Use: Plazas and main-street retail with residential above

• Specialty (select): Self-storage and certain housing types where fundamentals support it

Eligible Scenarios

• Acquisition bridge: Close on schedule while leases are finalized or financing completes

• Renovation and TI bridge: Fund capex and carry during upgrades and unit turns

• Lease-up bridge: Hold through vacancy, incentives, or seasonal swings

• Maturity bridge: Refinance maturing loans to avoid default and buy time for an orderly exit

• Construction to term: Short runway to stabilize and secure take-out

How Commercial Bridge Financing Is Structured

We start with your exit and work backward.

• Term and draws: Typically 6 to 24 months, interest-only, with draws for capex as needed

• Leverage: Sized to as-is value and business plan, with holdbacks for work and leasing

• Pricing: Market rates with transparent lender and legal costs

• Covenants: Practical reporting and milestone checks that match your plan

Typical Loan Parameters and Eligibility

(Actual terms vary by asset, market, sponsor strength, and lender policy.)

• Loan-to-Value: Often 60 to 75 percent of as-is value; higher case by case with strong exits

• Interest-only: Common for bridges to maximize flexibility and cash flow

• Recourse: Depends on leverage and risk; partial guarantees are common

• Extensions: Built-in options when milestones are met

• Sponsor: Relevant experience, adequate liquidity, and a credible exit pathway

Streamlined Documents Checklist

We stage what is needed so timing is the priority.

• Property: Rent roll, trailing 12-month operating statement, leases and key amendments, tax bills, insurance

• Reports: Appraisal or broker opinion of value, Phase I ESA where required, scope and budget for capex

• Corporate & sponsor: Net worth and liquidity summary, org chart, recent financials and tax filings

• Exit support: Term sheet for take-out, sales plan, or leasing assumptions and pipeline

Process and Timelines

• Initial review (1 to 2 business days): Indicative sizing, pricing, and exit alignment

• Term sheets (3 to 7 business days): Competitive quotes from fit-for-purpose lenders

• Diligence and approvals (1 to 4 weeks): Focused reports and legal to match your close date

• Funding: Conditions satisfied, security registered, funds advanced with any holdbacks set up

Why Work With Us

• Exit-first approach: We structure the bridge around your take-out or sale

• Breadth of capital: Banks, credit unions, alternative and private lenders across Canada

• Clarity and speed: Clear milestones, quick reads on issues, plain language

• National coverage: Major metros and strong secondary markets