Fast, Flexible, and Reliable Commercial Real Estate Bridge Loans

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.

When to Choose a Commercial Bridge Loan?

Our commercial real estate bridge loans are your go-to solution for:

Purchasing Commercial Properties

Quickly secure financing to acquire the property you need while prepping for permanent funding.

Upgrading and Renovating Assets

Unlock the potential of your properties with funding to cover renovations and value-add upgrades.

Bridging Business Cash Flow Gaps

Maintain financial stability while transitioning to long-term financing or getting your property ready to market for sale.

Financing Real Estate Investments

Take advantage of profitable opportunities with flexible funding tailored for real estate bridge loan investing.

The Bluestone Advantage:
A Community Based Lender Solving Your Financing Needs

Our commercial bridge loan solutions are created with flexibility and efficiency in mind. Here’s what sets our loan offerings apart:

Fast Approval Process

Gain access to funds quickly with our streamlined application and approval process, ensuring you don’t miss out on critical opportunities.

Flexible Loan Terms

Choose loan terms that work for you, with options tailored to your unique financial situation and repayment capabilities.

Competitive Loan Rates

Enjoy some of the most attractive real estate bridge loan rates, helping you save on borrowing costs while achieving your goals.

Collateral-Based Lending

Bluestone ensures that you have sufficient equity in the property you’re financing.

Versatile Loan Use

Use funds for property acquisitions, partnership buyouts, renovations, cash flow management, and much more!

Personalized Support

Receive hands-on guidance from our experienced loan advisors, ensuring a smooth and stress-free borrowing experience.

No Hidden Fees

Our transparent loan process ensures no surprises, with clear terms and conditions from start to finish.

The Bluestone Advantage:
A Community Based Lender Solving Your Financing Needs

Qualifying for a real estate bridge loan is straightforward, but specific requirements must be met. Here’s what you need:

Why Bluestone Bridge Loans Are Perfect for Your Next Project

Bluestone understands time is money in commercial real estate. That’s why we offer streamlined, short-term solutions to help you bridge the gap between your current and future financing goals. With Bluestone’s commercial real estate bridge loan, you get:

Fast Funding

Get your loan approved quickly, with funding available in as soon as 72 hours.

Flexible Loan Terms

We provide customized loan options that suit your specific real estate needs.

Industry-Leading Expertise

We bring industry knowledge to every loan, helping you navigate the complexities of real estate transactions.

The Impact of Our Bridge Loans in Numbers

When you choose Bluestone for your commercial bridge loan needs, our results speak for themselves.

$100 Million+ 

Funded in
Commercial Loans

150+

Loans
Originated

Flexible Terms

1-3 Year Loan
Options

Ready to Close Your Next Deal? Secure Your Bridge Loan Today.

Don’t let funding delays hold you back. With Bluestone, you can secure fast, flexible financing and keep your commercial real estate projects on track.

Frequently Asked Questions

What is a direct lender?

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.

How long does it take to close a loan?

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.

How can I utilize equity in my real estate portfolio to purchase other properties?

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.

Am I able to offer multiple properties as collateral?

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.

What is your maximum Loan-to-Value (LTV)?

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%.

What is the length of your loan term and do you offer extensions?

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.

What geographic areas do you cover?

Bluestone can lend nationwide but we are primarily focused in the Mid-Atlantic region.

Are there any asset types you do not lend on?

Bluestone does not provide loans on land or ground-up development. Special-use asset types will be reviewed on a case-by-case basis.

What is the difference between Bluestone and a bank?

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”.

Are you a “hard money” lender?

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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