Commercial REal Estate BRidge Loans

Q: What are common bridge loan sizes, leverage, terms, pricing, and extension options?

Typical bridge loans through AVANA are $5M–$30M, up to 70–75% leverage, with terms up to 3 years — structured as interest-only with annual extension options available (extension fee typically 0.25–0.50%). Rates float over 1-Month SOFR, with spreads of 4.50–7.00% depending on asset class, risk, and sponsor strength. Final pricing reflects the specific business plan, market, and borrower profile.

Secure Short-Term Capital and Close on Your Schedule

When timing matters, AVANA’s bridge loans provide the speed and flexibility you need to move with confidence. Secure short-term, interest-only financing to acquire, refinance, or reposition commercial properties while you lock in your long-term capital.

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Curved modern building with horizontal stripes and a bridge connecting two sides under blue sky.

Since 2002 · $6.5B+ Funded · $1B AUM

Short-Term Capital for Time-Sensitive Deals

When a deal moves faster than a traditional lender can, you need a partner who can keep up. AVANA structures short-term, interest-only bridge loans from $10M to $30M for experienced CRE sponsors who need capital quickly — without sacrificing certainty of execution.

Through the AVANA Oaktree Private Credit Partnership, we pair AVANA's expertise in hospitality, industrial, and specialty assets with Oaktree's institutional private credit platform: SOFR-based pricing, up to 75% of as-is value, and terms up to 3 years with annual extensions — built around your exit, not a template.

Use bridge financing to:
- Close acquisitions fast when speed beats competing bids
- Pay off maturing debt ahead of a value-add or stabilization plan
- Fund renovations before refinancing into SBA 504 or a term loan
- Bridge the gap between closing and permanent institutional debt

Speed & Certainty of Execution

We give you a clear yes or no fast — no drawn-out maybe that kills deals

Fast Funding

Close quickly to seize time-sensitive opportunities

Flexible, Exit-Aligned Terms

Structure built around your refinance or sale timeline

Versatile Uses of Proceeds

Acquisition, refinancing, or repositioning toward stabalization

Bridge Loans Rates and Terms

Rates and structures vary depending on loan type and borrower qualifications

Loan amounts

$10MM - $30MM

Designed to fund mid- to large-scale commercial real estate projects

Interest rates

1-Month Term SOFR + 4.50%–7.00%

Varies by asset class & risk profile

LTV

Up to 75%

Based on up to 75% of “as-is” value or 70% of “as-stabilized” value

Loan terms

Up to 3 Years

Interest-only loans with annual extension options

Uses of proceeds

Acquisition, Refinance

Financing available for acquisition, refinancing, or repositioning toward stabilization

A fit if you're: an experienced CRE sponsor (5+ years, 680+ FICO) with a clear exit — a refinance, sale, or lease-up to stabilization — borrowing $10M–$30M against income-producing or transitional property at up to 75% of as-is value, with a full-recourse guaranty.

Wide Range of Asset Types

Franchised Hotels

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Industrial

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Manufacturing Facilities

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Medical Offices

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Retail

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Self-Storage

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Warehouse

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Our Partnerships

Institutional-grade bridge financing through our partnership with Oaktree Capital. By collaborating with industry leaders, we accelerate funding, offer competitive pricing, and create exclusive co-investment opportunities that empower our clients and investors alike.

A Streamlined Process

We make financing simple, transparent, and fast from application to funding

Submit Application

Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1-2 business days

Review

We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms

Approval & Terms

We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)

Closing & Funding

We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met

Proven Success Stories

We’ve helped businesses across industries

Featured

Best Western Plus Hotel in Austin, TX

Loan Purpose:

Refinance

Asset Class:

Hotel

Loan Amount:

$ 7,089,000

Featured

Construction of a hotel using modular construction

Loan Purpose:

Acquisition

Asset Class:

Hotel

Loan Amount:

$15,000,000

Frequently Asked Questions

Find answers to common questions

What is a bridge loan, and when does it make sense to use one?

A bridge loan — sometimes called interim financing — is short- to intermediate-term capital that covers the gap between an immediate need and a longer-term solution. It makes sense when you need to move faster than a conventional lender allows, such as closing a time-sensitive acquisition, paying off maturing debt before a refinance, or executing a value-add business plan before stabilizing a property. Bridge financing is not designed for long-term holds — it's a tool for sponsors who have a clear, documented path to permanent financing or a sale.

What are common bridge loan sizes, leverage, terms, pricing, and extension options?

Typical bridge loans through AVANA are $10M–$30M, up to 70–75% leverage, with terms up to 3 years — structured as interest-only with annual extension options available (extension fee typically 0.25–0.50%). Rates float over 1-Month SOFR, with spreads of 4.50–7.00% depending on asset class, risk, and sponsor strength. Final pricing reflects the specific business plan, market, and borrower profile.

What do you look for to qualify a bridge borrower?

We focus on experienced commercial real estate sponsors with a credible exit strategy. Core criteria include: 5+ years of relevant industry experience, a 680+ FICO score for guarantors, strong CRE collateral with sufficient equity (at or below 75% LTV), and a documented exit plan — whether that's a refinance into SBA 504 or a conventional term loan, a property sale, or a lease-up to stabilization. We require full-recourse personal guaranties from principals. If your project is close to the criteria, we still encourage a pre-qualification — we work through nuances on a deal-by-deal basis.

How quickly can a commercial bridge loan close?

Bridge loans through the AVANA Oaktree Private Credit Partnership typically close within 45 days of LOI acceptance. We issue a soft quote within 1-2 business days of receiving pre-qualification materials, and an LOI typically follows within 3–5 business days if the deal fits our program. From there, timeline is primarily driven by third-party diligence — appraisal, environmental, and property condition reports. Borrowers with organized documentation move significantly faster.

Who is the AVANA Oaktree Private Credit Partnership built for?

The program is designed for experienced CRE sponsors and developers who need $10M–$30M in intermediate-term financing for acquisitions, refinances, or value-add repositioning. Ideal borrowers have a clear business plan, documented path to stabilization or permanent financing, and strong sponsorship credentials. It is not designed for ground-up speculative construction, first-time sponsors, or projects without a credible exit plan. If you're unsure whether your deal fits, submit a pre-qualification — we'll give you a straight answer within 1-2 business days.

Can a bridge loan be used for ground-up construction?

Not through this program. AVANA's bridge loan product is designed for acquisitions, refinances, and value-add repositioning of existing commercial properties — not ground-up construction. For new builds, major renovations, or brand conversions requiring a construction draw schedule, AVANA offers a dedicated construction loan program through the AVANA Oaktree and AVANA–IHG partnerships. See our construction loans page for details.

Ready to Move on Your Deal?

Submit a short pre-qualification and our lending team will respond with a soft quote within 1–2 business days. No commitment required — just a straight answer on whether your project fits

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Our Team

About Sanat Patel

As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.

Sanat Patel

Chief Lending Officer