Bridge Loan
Move Fast. Bridge the Gap.
Catalyx commercial bridge loans deliver fast, flexible capital for time-sensitive commercial real estate transactions. We help owners and investors acquire, refinance, or recapitalize commercial assets while they execute a lease-up, renovation, or take-out plan (agency or perm). Streamlined underwriting and interest-only payments give you certainty of execution today and time to reach your long-term capital structure.
Maximum Loan-to-Value
75%
65%
Maximum Cash-Out LTV
660
Minimum FICO (Flexible)
Typical Closing Timeline
2 Weeks
Key Features
Typical close in 1–2 weeks; as fast as one week with a complete package.
❋ Speed to Close
Up to 75% LTV on as-is value; cap-ex and renovation budgets considered case-by-case.
❋ Maximum Leverage
Lower monthly carrying cost; principal due at maturity.
❋ Interest-Only Structure
FICO-flexible underwriting; experienced borrowers receive priority consideration.
❋ Borrower Flexibility
Clear process, fast feedback, dedicated deal team for your borrowers.
❋ Broker-Friendly
Acquisition, refinance, cash-out, bridge-to-construction, bridge-to-perm / agency / SBA.
❋ Use of Funds
Example Scenarios
Quick close on value-add, distressed, or mispriced assets where speed wins the deal. Secure time-sensitive opportunities before competitors and execute your business plan with confidence.
Acquisition Bridge
Pay off maturing debt while unlocking equity for future growth. Use proceeds for tenant improvements, leasing commissions, capital expenditures, or property renovations.
Refinance + Cash-Out
Stabilize occupancy, improve cash flow, and strengthen property performance. Once the asset is seasoned, transition into lower-cost long-term financing.
Bridge-to-Agency / Perm
Gain the runway needed to increase occupancy and optimize rental income. Create value through operational improvements before securing permanent financing.