Bridge Loans for Brokers · $300K–$10M+
Bridge loans for
brokers who close.
We go where
banks don't.
Helvetica Group is a direct commercial bridge and hard money lender built on broker relationships. We protect your clients, pay competitive commissions, and close the deals your borrowers can't take to a bank.
Bridge Loans for Brokers · At a Glance
Relationship Protected
We never go around you. Your client stays your client.
1–2 Points at Closing
Paid to your licensed entity. Disclosed in loan docs.
Same-Day Indication
Rate indication or answer within one business day.
24–48 Hr Approval
License + agreement + W-9. You can submit before approval.
Carlsbad HQ
CA DRE #01366104 · 25+ years of lending
Why Brokers Choose Helvetica
Four things brokers say matter most.
We've built this program around what experienced commercial mortgage brokers actually want from a hard money lender.
01
We protect your relationship. Period.
We do not contact your borrowers directly on broker-submitted deals. We do not solicit your clients for future transactions. We do not shop your deal to reduce your commission. Your client is your client. This isn't fine print — it's the core of how we work with brokers and the reason we have long-term referral relationships that have lasted over a decade.
02
We give you a real answer, fast.
Send us an executive summary and we respond with a rate indication or a specific question — within one business day, usually same day. No soft IOIs that evaporate at underwriting. No committee waiting periods. We issue a term sheet when we're funding, not to manage your pipeline expectations. Your time is the deal's timeline.
03
We lend larger than most local lenders.
Our loan limit is $10,000,000+ — which means we can cover the commercial transactions that exceed most local hard money lenders' capacity. When you have a $12M retail center, a $15M value-add multifamily, or a $20M industrial acquisition that needs bridge capital, Helvetica is one of the few direct lenders in the state who can write the check.
04
We close what we commit to.
A term sheet from Helvetica means we're funding. We have our own proprietary capital through the Raiseli platform, which means we're not dependent on outside investors approving individual deals. When we issue terms, we execute. Brokers who've had a deal fall apart two weeks before close — because a "lender" couldn't find the capital — know why this matters.
Deal Criteria
Know before you submit. Save everyone time.
A realistic picture of what we fund and what we pass on. We'd rather give you a fast no than waste your close date chasing a deal we can't do.
Our Sweet Spot
Commercial bridge loans · $300K–$10M+
Retail, multifamily 5+, office, industrial, mixed-use, self-storage, hospitality, mobile home parks
Investment and commercial real estate
Investment SFR, small balance commercial, portfolio cross-collateral
Bank turndowns and credit-challenged borrowers
We underwrite to asset value and exit — not to a bank credit matrix
Distressed, low-occupancy, and value-add assets
Vacant, sub-50% occupancy, deferred maintenance, receivership
Time-critical closings · 7–21 days
Maturing notes, foreclosure bailouts, 1031 exchange bridges, seller deadlines
47 States
Preferred markets; select nationwide deals considered case by case
Complex borrower structures
LLCs, trusts, partnerships, foreign nationals, receiverships, estates
What We Pass On
Owner-occupied residential — primary residences and consumer-purpose loans are outside our license scope
Raw land without entitlements — unentitled land is generally outside our parameters unless strong story
Loans under $300K — minimum loan size is $300,000
Ground-up construction as primary — we do not originate spec construction loans as the primary use of proceeds
Deals above 70% LTV — our max is 65% as-is value; we do not lend to ARV without exceptional basis
No exit strategy — every deal must have a credible exit: refinance, sale, or stabilization. We underwrite the exit, not just the entry.
How It Works
From submission to closed loan.
Four steps. No surprises. No black box. Here's what happens when you submit a loan to Helvetica.
01
Submit the Executive Summary
Email or call us with the basics: property address, loan amount, LTV, borrower background, and exit strategy. One page is enough to start. You don't need an approval before you can submit a scenario — call or email any time.
02
Same-Day Rate Indication
We review and respond within one business day — usually same day. You'll get a rate, points, and LTV indication or a specific follow-up question. If it doesn't fit, we tell you that too. We don't string you along.
03
Term Sheet + Underwriting
If terms align, we issue a term sheet within 2–3 business days and begin underwriting in parallel. We'll collect the full package at this stage. Term sheet from Helvetica means we're funding — not managing your pipeline.
04
Close, Fund, Get Paid
Our closing team coordinates with your escrow and borrower's counsel. Broker commission is paid at closing directly to your licensed entity and disclosed in the loan documents. We close what we commit to.
Submission & Approval Checklist
What we need to get started.
Two parallel tracks: broker approval and deal submission. You can do them simultaneously.
For Broker Approval
Current California DRE license or NMLS licenseActive and in good standing. Provide license number.
Completed Helvetica Broker AgreementContact us to receive the agreement by email. One-time setup.
W-9 for your licensed entityCommission is paid to the licensed broker entity, not personally.
E&O insurance certificateRequired prior to first funded transaction. Standard coverage acceptable.
Approval Timeline
Typical
24–48 hours
You may submit a loan scenario for preliminary feedback before formal approval is complete.
For Each Deal Submission
Property address and brief descriptionType, size (SF or units), current occupancy, and condition
Requested loan amount and estimated LTVAs-is value estimate. Appraisal not required at submission stage.
Borrower background summaryEntity type, principals, prior real estate experience. Credit score helpful but not required to start.
Exit strategyRefinance, sale, or stabilization plan. Timeline and basis for the exit.
Required close dateHard deadlines must be flagged upfront. We'll tell you if it's achievable.
Your commission requestState your compensation expectation upfront. We negotiate deal-by-deal.
Ready to submit?
Email us the executive summary and we'll respond same business day. No portal required.
Mon–Fri · 8am–6pm PT · Carlsbad, CA
Program at a Glance
Full program parameters.
Current Helvetica bridge loan terms for broker-submitted commercial transactions. All terms subject to underwriting and deal specifics.
| Parameter | Helvetica Bridge · Commercial | Notes |
|---|---|---|
| Loan Size | $250,000 – $10,000,000+ | Per transaction; portfolios considered |
| LTV | Up to 65% as-is | Stabilized assets; case-by-case on distressed |
| Interest Rate | Starting at 8.99% | Based on LTV, asset type, term, complexity |
| Origination Fee | 1–2 points | Borrower-paid; Rush closings may carry higher fees |
| Loan Term | 6 mo.–5 yr+ | Interest-only; extensions available based on performance |
| Payment Structure | Interest-only | No amortization; balloon at maturity |
| Close Timeline | 7–21 days | From complete documentation; rush closings available |
| Property Types | Commercial, Investment SFR, Multifamily 5+ | No owner-occupied residential; see deal criteria above |
| Borrower Entity | LLC, Corp, Trust, Partnership, Estate, Foreign National | No personal loans; business purpose required |
| Geography | 47 States | Nationwide considered on case-by-case basis |
| Appraisal | Required before funding; not required for submission | We can recommend approved appraisers; desk review on smaller deals |
| Broker Protection | + Full — life of loan | No broker circumvention; no direct solicitation of broker clients |
| Pre-submission Feedback | + Same business day | Rate indication or specific follow-up; no soft commitments |
Broker FAQ
Questions brokers ask before
their first submission.
Do you really protect broker relationships?
Yes — and it's not negotiable. We do not contact broker-submitted borrowers directly, solicit them for future transactions, or structure deals to remove the broker. Your client is your client for the life of the loan and beyond. If this ever doesn't happen, we want to know immediately.
Can I submit a loan before I'm formally approved?
Yes. You can send us a loan summary for preliminary feedback before completing the broker approval process. We want to give you a fast answer on whether the loan works. Formal approval (license, agreement, W-9) is required before we can issue a term sheet and fund.
How is my commission structured and when is it paid?
Broker compensation is 1–2 points of the loan amount, negotiated deal-by-deal and agreed upfront. It's paid at closing, directly to your licensed entity, and fully disclosed in the loan documents. We don't hide compensation or reduce it at the last minute.
What's the minimum information needed to get a rate indication?
Property address, loan amount, LTV estimate, property type, borrower background (one paragraph), and the exit strategy. That's enough for us to give you a rate and terms indication same business day. You don't need a full package to get a first answer.
Do you lend outside California?
Yes. We lend nationwide on a selective basis; availability varies by deal, property type, licensing and underwriting. When submitting an out-of-state deal, note any state-specific factors (foreclosure timelines, licensing nuances) upfront.
What if my borrower has a bank turndown or credit issues?
Bank turndowns are one of our most common deal types. We underwrite to the asset and exit strategy — not to a bank credit matrix. Credit challenges, bankruptcy history, or foreign national status do not automatically disqualify a borrower. Tell us the story and let us underwrite it.
Submit a loan.
Get an answer today.
Send us the one-page executive summary — property, amount, borrower, exit — and we'll respond same business day with a rate indication or a straight no. Either way, you'll have an answer before end of business.
Submit a Loan
Call (760) 624-3301
Request Broker Approval
CA DRE #01366104 · CFL #603E072 · Carlsbad, CA