Commercial Bridge Loans
Looking for capital for your next commercial property? We're the go-to local lender for your short-term commercial financing needs.
Loan Overview
Secure hard money loans for your commercial property.
Business owners, trusts, corporations, and private partnerships must often secure hard money loans for their commercial property needs. These private purchase loans, which can be used to rehabilitate or pay off mature notes on commercial properties, are often known as bridge loans or gap loans.
As a hard money lender with years of experience in the commercial lending sector, we understand the needs of business owners and investors. We work with you to make sure your commercial hard money loan meets your needs and offers the best rates at reasonable terms.
Loan Benefits
Get fast money until a more traditional source can be secured.
Hard money bridge loans are used in commercial real estate for a whole host of reasons, including starting a business, making payroll, purchasing a distressed property, expanding a product line, buying out a partner, or buying the time necessary to improve a property or stabilize it sufficiently to refinance or sell.
A bridge loan provides investors, real estate professionals, and business owners the capital and time needed to get from point A to point B in their journey to profitability. A bridge loan can also provide small business owners with short-term working capital that banks are unwilling to offer.
Loan Solutions
Maximize your financial flexibility before you break ground.
Traditional lenders are limited to providing capital under a strict set of conditions—but that's where we differ. Socotra Capital is not bound by those restrictions and can provide bridge loans backed by the equity in a property to meet any number of requirements.
We also offer bridge loans to small business owners who need fast money on property that is held free and clear or with substantial equity. Our bridge loans maximize your flexibility, enabling you to build, purchase, or rehab commercial property.
For Property Owners
Looking to acquire and make improvements to commercial properties? Does your business occupy the building you own? Boost the value of your equity and bridge the gap between purchase and stabilization with one of our fast and easy bridge loans. We help you get working capital to grow your team or purchase additional equipment to meet the demands of a new contract.
For Property Investors
Purchasing a new property that requires funds for renovation and operation while you begin securing tenants? These tight deadlines for working capital are best solved with a commercial bridge loan. Our bridge loans provide the means to get the transaction done with enough time to stabilize the property. We offer a quick close on the vacant building and flexible terms that give you ample time for renovations and stabilization.
For a Refinance
Refinancing is among the most common uses for a bridge loan. Loans for small businesses are typically handled by the Small Business Administration (SBA). However, there are times when an investor does not qualify for SBA loans, which hinders a property owner’s access to equity in their property. Socotra capital is also SBA 504 approved! We provide the capital to handle the necessary short-term liquidity needs, so long as there is sufficient equity.
For Developers
In need of capital to continue construction or development while waiting for equity financing to close? Our loans are designed for quick underwriting and fast closing in order to meet a borrower’s expedited timeline. As your local neighborhood bridge lender, Socotra Capital is here to help. Our hard money bridge loans are based on real property equity, and we can often provide same-day prequalification.
Property Type
Explore property types with our solutions-oriented team.
- Industrial
- Office
- Retail
- Mixed-use
- Specialty properties
- And more!
Loan Amounts
Commercial bridge loans range from $100K–$20M.
Loan Term
Loans range from 6 months to 20 years:
- Interest-only loans
- Partially amortized loans
- Fully amortized loans
Loans Available
- Individuals
- Trusts
- Corporations
- Retirement accounts
- Limited partnerships
Loan Showcase
See Our Loans in Action
A group of borrowers—including hotel owners from California and Arizona, along with a doctor—acquired a hotel in the San Francisco Bay Area that had poor financials and was at risk of foreclosure. Socotra Capital provided a $9.2 million commercial bridge loan, enabling the purchase and allowing time for business improvements. The goal was to enhance the hotel's financial health to qualify for a subsequent bank loan.
- Location: San Mateo, CA
- Loan Type: Purchase
- Loan Amount: $9,200,000
What Our Customers Are Saying
"Socotra Capital was able to provide valuable insights and analysis to help us navigate the transaction, and their expertise and attention to detail were instrumental in getting the deal done on time and to the satisfaction of all parties involved."
Lenard Vaughn
Borrower
"The amazing team at Socotra Capital gives you all the help you need along the way. Big thanks to Xavier, Cory, and Tami for their time and patience. I strongly recommend this group for a quick close all the way through!"
Kamal Almutarreb
Borrower
"Socotra has two sides to their business: lending money out and investing money in. The team is extremely professional, manages expectations well, and does a great job of communicating. This is a stand-up team that provides great solutions on both sides. I highly recommend working with them."
Arik Levy
Borrower
"Great overall experience from a tight-knit, well-led, and extremely knowledgeable group of individuals. These guys work diligently to satisfy their clients with haste. Working with Mr. Apilakvanichakit was an absolute pleasure; I recommend him for any of your future endeavors regarding any of the services offered at Socotra."
Erik Sutton
Borrower
"We have been clients of Socotra for several years, and we are extremely satisfied with their service, results, and the professionalism they always exhibit. We highly recommend Socotra to potential new clients, and we have the utmost trust in Adham, Tony, Paul, and the entire Socotra crew!"
Jayne Williams
Borrower
Blog
How to Get a Business Loan for Commercial Real Estate
You can use a commercial real estate loan to purchase property and make improvements. Commercial real estate loans are a little different from a standard residential mortgage. In addition to taking your personal finances into consideration, most lenders also take a close look at your business finances, especially if you have a small business.
At a minimum, banks will want to know your net operating income over a period of time to determine how much they are willing to lend. This process often takes several months, and business owners don’t always have time on their side.
Resources
Read our hard money insights.
