Bridge Loans · $300K–$10M+ · Business Purpose
We go where
banks don't.
Commercial bridge loans on investment and commercial real estate. Bank turndowns, low occupancy, tight timelines, complex structures — these are the deals we're built for.
$1B+
Transactions Closed
$300K
Minimum Loan Size
$10M+
Maximum Loan Size
25+
Years Direct Lending
Loan Parameters
The numbers, plainly stated.
No bait-and-switch pricing. No loan amount too complex. Here's what we lend on.
Loan Size
$300K–$10M+
Per transaction
Loan-to-Value
Up to 65%
As-is value; case by case
Term
6 mo.–5 yr+
Fixed and interest-only options
Rate Range
8.99%–12.99%
Based on LTV, asset type, term
Origination
1–2 pts
Based on complexity and timeline
Close Time
7–21 days
Rush closings available
Occupancy
0–100%
Stabilized and distressed accepted
Geography
47 States
Focus: CA, AZ, TX, FL, OR, WA
When to Call Helvetica
The scenarios banks walk away from.
We underwrite to collateral and exit strategy — not bank credit matrices. These are our most common deal types.
Bank Turndowns
Conventional lender said no. That's a starting point, not an ending point. We look at the asset and exit, not the decline letter.
Time-Critical Closings
Seller deadline in 10 days. Conventional lender needs 60. We've closed in seven. Speed is a service we actually deliver.
Unstabilized & Value-Add
Low occupancy, deferred maintenance, repositioning plays — bridge capital is the tool. We underwrite to the stabilized story.
1031 Exchange Bridge
Identification period running out and permanent financing not ready. Our bridge loan buys you time to close the exchange cleanly.
Foreclosure Bailouts
Notice of default filed, cure deadline approaching. We move before the trustee sale. Asset-based underwriting means we can act fast.
Partner & Estate Buyouts
Equity event with a tight timeline and no bank appetite. We've funded buyouts where the asset is solid but the situation is complicated.
CMBS Workouts
Maturing CMBS with no refi path in the current rate environment. We step in with bridge capital while the borrower rights the ship.
REO Acquisitions
Distressed REO purchase where the property can't qualify for conventional financing yet. We fund the acquisition, you execute the plan.
Collateral Types
Commercial. Investment. Business purpose.
We lend on a wide range of income-producing and investment property types. No primary residences or consumer-purpose loans.
Retail Strip & Centers
Multifamily (5+ units)
Mixed-Use
Office Buildings
Industrial & Warehouse
Self-Storage
Single-Family Investment
Land (entitled)
Hospitality
Mobile Home Parks
RV Parks
Special Purpose
How It Works
From submission to funding.
No black box. No waiting weeks for a decision. Here's what happens after you contact us.
01
Submit the Deal
Send us the executive summary: property address, loan amount, LTV, borrower background, and your exit strategy. One page is enough to start.
02
Same-Day Indication
We review and respond with a rate indication or a specific question — within 24 hours, usually same business day. No soft commitments that evaporate.
03
Term Sheet Issued
If we're aligned on structure, we issue a term sheet. Underwriting begins in parallel. We don't string you along — term sheet means we're funding.
04
Close & Fund
Our closing team moves with the transaction. We work with your counsel, coordinate title, and fund when the deal is ready — often inside two weeks.
Recent Closes
Deals that needed a different kind of lender.
A sample of recent bridge loans funded by Helvetica Group. Names and addresses available upon request.
$4,583,000
Bridge · Retail
49,000 SF Retail Center
San Marcos, CA
Purchase financing on a 38%-occupied community retail center. Borrowers were traveling internationally with a closing deadline that could not move.
↳ Bank turndown · Low occupancy · No appraisal · Hard deadline
Read the case study →
$2,290,000
1031 Exchange · NNN
NNN Longhorn Steakhouse — 1031 Upleg
Amarillo, TX
Stabilized single-tenant corporate-guaranteed ground lease sourced and closed inside the 180-day exchange window. The investor doubled income, cut management roughly 100%, and later refinanced with $900K cash-out.
↳ 180-day deadline · Upleg sourcing · Stabilized NNN acquisition
Read the case study →
$5,000,000
Reverse 1031 · Bridge
Luxury Residential — Reverse 1031
Beverly Hills, CA
A reverse exchange bridge let the borrower close the upleg before the Beverly Hills downleg sold — 50% blended LTV across three luxury homes, no appraisal, no prepay.
↳ Reverse exchange · Cross-collateralized · No appraisal
Read the case study →
Common Questions
Straight answers.
The questions brokers and borrowers ask before they submit a loan.
What is a commercial bridge loan?
A bridge loan is short-term financing — typically 12 to 24 months — that provides capital while a borrower works toward a longer-term solution: a permanent refinance, stabilization, or sale. Bridge loans are asset-based, meaning the underwriting focuses on the property's current value and the borrower's exit plan rather than a standard income or credit profile.
Do you lend on bank turndowns?
Yes — frequently. A bank turndown tells us the deal has complexity, not necessarily that it's a bad loan. We underwrite to the collateral and exit strategy. If the asset supports the loan and the exit makes sense, the fact that a bank declined is not disqualifying.
What loan-to-value will you lend to?
Up to 65% of as-is value. For distressed, vacant, or value-add properties, we underwrite to current market value with consideration for the repositioning plan. We do not lend to ARV (after-repair value) without significant demonstrated basis and a credible execution plan.
How fast can you close?
Seven to twenty-one days is our typical range once we have complete documentation. Rush closings inside a week are possible on clean deals with clear title and a cooperative escrow. We close what we commit to — we do not issue soft letters of interest and fade at the finish line.
Do you lend in states outside California?
Yes. California, Arizona, Texas, Florida, Oregon, and Washington are our preferred markets. We consider select deals in other states on a case-by-case basis. Our team has closed transactions in over 15 states. Contact us with your deal and geography and we'll give you a straight answer.
Do you work with mortgage brokers?
Brokers are our primary sourcing channel. We protect broker relationships and pay competitive referral commissions. A broker approval is required prior to loan funding on broker-originated transactions. Visit our broker program page or submit a loan directly to get started.
Ready to submit a loan?
Send us the basics — property, amount, exit. We respond same business day. No loan request is too complex to discuss.
BROKER SUBMISSIONS WELCOME · CA DRE #01366104 · CFL #603E072