Direct Lender · Single & Multi-Tenant Net Lease · Nationwide
Helvetica Group funds NNN (triple net) bridge loans on single-tenant and multi-tenant net-leased retail, restaurant and industrial property, from $300,000 to $10,000,000+. We fund acquisitions, refinances and repositionings on net-leased real estate when conventional financing cannot close inside the seller's timeline, the lease events on the property, or a 1031 exchange deadline.
We lend from our own balance sheet and managed funds and underwrite the real estate and the exit, not a rigid tenant-credit checklist. Closing timing depends on borrower preparedness, third party reports and complexity; we typically close 3–10 days following receipt of all requested documentation.
A triple net (NNN) lease has the tenant paying most or all of property taxes, insurance and maintenance, so the real estate behaves like a predictable income stream once the lease is in place. An NNN bridge loan is short-term financing secured by that property, sized and priced around the real estate and the lease, not a long bank approval cycle.
Acquiring a single-tenant or multi-tenant net-leased property, often on a seller's timeline a conventional lender cannot match. Off-market and auction-sourced net lease deals are common here.
A maturing loan on a net-leased asset, with permanent financing still working through underwriting or a bank turndown on a vacant or soon-to-be-vacant space.
Re-tenanting, renovating or converting a net-leased property while income is interrupted, before the asset qualifies for a conventional refinance again.
Net-lease assets are a classic 1031 exchange replacement property. See our 1031 exchange bridge loan page for forward and reverse exchange mechanics.
Net-lease financing rarely fails on asset quality. It fails on timing: a lease event, an exchange deadline or a seller's closing date that a conventional underwriting cycle cannot meet.
A tenant's option period lapsing without a signed renewal is reason enough for a bank to decline a refinance outright. We underwrite the real estate and the re-tenanting or renewal plan, not just the remaining lease term on file.
Net-lease replacement property is one of the most common 1031 upleg purchases, and the IRS deadlines do not move. A bridge loan lets the acquisition close on schedule while permanent financing or the exchange paperwork catches up.
1031 exchange bridge loansA tenant bankruptcy filing or a credit downgrade can freeze conventional financing on a net-leased property overnight, even when the real estate underneath it is sound. We underwrite collateral value and the releasing plan.
Net-lease auction and sale-leaseback sellers typically set a closing date that will not move for financing contingencies. We move on the timeline the deal requires.
We lend against the real estate and a newly executed net lease as a bridge to permanent financing or an eventual sale to a net-lease investor.
Construction debt on a newly built or newly renovated net-leased property often matures before permanent underwriting finishes. We retire the construction loan and give the borrower runway to arrange a bank takeout.
Each transaction below is a real closed Helvetica loan with the property, structure, LTV, timing and exit documented in full.
Columbus/Gahanna, OH
Helvetica structured a $1,766,000 first-mortgage bridge to refinance and consolidate maturing debt across 3 Ohio retail properties totaling 14,350 SF. The loan carried 58.38% LTV, a 12-month interest-only term, and 2 six-month extension options while the borrower arranged traditional bank financing.
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Chula Vista, CA
A completed build-to-suit drive-thru store on a new 10-year corporate net lease, financed at 65% LTV on a 10-month interest-only term — in-place NNN rent covered the payment while the borrower waited for better pricing to sell or refinance.
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Kettleman City, CA
A $1.28M renovation created a two-tenant drive-thru retail pad with a new 10-year investment-grade lease, but the construction debt matured first. Refinanced at 52% LTV on a 6-month interest-only term — anchor NNN rent alone covers the payment — with a 6-month extension option while bank financing was arranged.
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Orlando, FL
An occupied free-standing net-leased restaurant building with only a short lease term left — short-dated income no bank would size inside the contract's closing window. A $682,000 first mortgage at 65% LTV closed the purchase on time and gave the buyer 24 months to extend the tenant's lease and refinance conventionally.
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Los Banos, CA
Maturing construction debt on a newly built drive-thru coffee store with a fresh 10-year investment-grade lease refinanced at 45% LTV — 6-month interest-only term with a 6-month extension option while bank permanent financing was arranged.
Read full case studyYour loan is reviewed and decided by our own lending team in Carlsbad, not passed to a third party.
What net-lease buyers, owners and brokers ask us most often.
