When time-sensitive opportunities arise in
commercial real estate, Bluestone is able to
provide tailored commercial loans that
bridge the gap, enabling you to seize
investments, refinance, or transition properties
efficiently.
Our commercial real estate bridge loans are your go-to solution for:
Quickly secure financing to acquire the property you need while prepping for permanent funding.
Unlock the potential of your properties with funding to cover renovations and value-add upgrades.
Maintain financial stability while transitioning to long-term financing or getting your property ready to market for sale.
Take advantage of profitable opportunities with flexible funding tailored for real estate bridge loan investing.
Gain access to funds quickly with our streamlined application and approval process, ensuring you don’t miss out on critical opportunities.
Choose loan terms that work for you, with options tailored to your unique financial situation and repayment capabilities.
Enjoy some of the most attractive real estate bridge loan rates, helping you save on borrowing costs while achieving your goals.
Bluestone ensures that you have sufficient equity in the property you’re financing.
Use funds for property acquisitions, partnership buyouts, renovations, cash flow management, and much more!
Receive hands-on guidance from our experienced loan advisors, ensuring a smooth and stress-free borrowing experience.
Our transparent loan process ensures no surprises, with clear terms and conditions from start to finish.
When you choose Bluestone for your commercial bridge loan needs, our results speak for themselves.
A direct lender is a credit provider who offers loans directly to borrowers without intermediaries. This means that the lender finances the deal with its own balance sheet rather than originating through another lending source. As a direct lender, Bluestone handles the entire loan process and is responsible for underwriting the loan, setting the terms, and servicing the loan throughout its life. The main advantage of working with a direct lender like Bluestone is that you are dealing directly with the funding source which often leads to quicker closing timeframes.
Once a term sheet is executed by the borrower, Bluestone will order third-party reports including appraisal, title, etc. Depending on the location of the property, this will take 1.5-3 weeks. Generally speaking, Bluestone can close within a 14-21 day timeframe. On certain loans where third-party reports have already been recently ordered, Bluestone has closed in as soon as 3 business days.
Many of our borrowers are real estate investors who are able to scale their real estate portfolios by borrowing against their equity. Bluestone offers cash-out refinances where investors can pull out cash from real estate with little to no debt and use that cash to purchase other properties.
Yes. Bluestone has the ability to cross-collateralize multiple properties to offer additional loan proceeds to borrowers who are short on cash. This allows borrowers to keep extra cash in their pocket while also ensuring that Bluestone maintains its standard loan-to-value (LTV) requirements.
Bluestone offers 70% loan-to-value on residential investment properties, including multifamily. For commercial asset types including industrial, retail, mixed-use and office, Bluestone’s maximum loan-to-value is 65%.
Bluestone can provide 1-year, 2-year or 3-year bridge loans. In each case, Bluestone will offer a 6-month extension option assuming the borrower is in good standing.
Bluestone can lend nationwide but we are primarily focused in the Mid-Atlantic region.
Bluestone does not provide loans on land or ground-up development. Special-use asset types will be reviewed on a case-by-case basis.
The key differences between Bluestone and a bank revolves around structure, lending criteria, and flexibility. Banks are regulated financial institutions who must abide by federal and state regulations which often leads to longer underwriting times and more document collection from borrowers. As a private fund, Bluestone is able to act quickly in its decision making and underwriting as we do not adhere to the same rules and regulations as a conventional lender. Another main difference is loan structure – banks are able to lend at lower interest rates and standardize their loan products whereas private lenders like Bluestone are often a bit more expensive but can offer more flexibility and custom oriented loan terms. Ultimately, Bluestone offers financing to many borrowers who do not fit into the traditional lending landscape but may qualify for a bank after a bit of “seasoning”.
The term “hard money” gets thrown around a lot in the private lending space. It is a term often associated with predatory short term lenders who underwrite based only on collateral. In some scenarios, these lenders may even originate a loan with the intent to foreclosure on the collateral, sometimes allowing them to make a profit in excess of the interest rate on the loan. Borrowers must be careful to only engage with reputable lenders that have a proven track record. Our borrowers must maintain minimum credit scores and display adequate income standards in order for Bluestone to formalize a loan commitment. Although Bluestone is a real estate lender, the term “hard money” is misleading to borrowers and harmful to legitimate private lenders.
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