Resources
Closed transactions and structured solutions across bridge, 1031 exchange, and commercial lending. Each study summarizes the scenario, the Helvetica solution, and the outcome.
Showing 49 of 49 case studies
Helvetica funded a $2.6 million, 24-month first-mortgage bridge at about 25% LTV on a 3.42-acre Morgan Hill parcel. The loan retired about $2.3 million of debt and carries the site through entitlement toward a contracted $11 million sale to a national homebuilder.
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Completed coastal new-construction home refinanced out of a maturing construction loan at 47% LTV, with $300K cash out for the borrower's operating business — 12-month interest-only term, no prepay, listed for sale at closing.
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Equity-rich, liquidity-tight: a first trust deed at 2.7% LTV against an $18.45M appraisal delivered working capital on an unstabilized single-use campus a bank would decline — 12-month interest-only term matched to a pending $26M escrow.
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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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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.
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A North Park apartment building bought below its as-is value with rents far under market — unstabilized income no bank would underwrite. A $2.2M first mortgage at 64.7% LTV closed the purchase and gave the borrower 18 interest-only months to renovate, raise NOI to a $205K proforma, and refinance conventionally.
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A physician's matured bank loan blocked her SBA takeout on the building housing her own practice. Refinanced at 57% LTV on a 12-month interest-only term with two 6-month extensions — default cured, practice uninterrupted, SBA financing closed on schedule.
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A leased, cash-flowing duplex with real equity but a fair credit score. A 65% LTV first mortgage against a $1.47M appraisal released capital for an active California development and paid down revolving debt — 12-month interest-only, with credit repair and a permanent refinance as the exit.
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Banks would not lend on a vacant Inglewood building owned by the same family since 1997. Helvetica funded a $610,000 bridge at 33% LTV that paid off its 2017 Helvetica loan, with two 12-month extensions for a 36-month runway.
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A $625,000 performing first-mortgage loan was structured for purchase at par as the existing lender sought liquidity. Collateral was a 5,242 SF industrial building with a signed triple-net lease at $7,500 per month, 39% reported LTV, and an 18-month interest-only term while the borrower planned a conventional refinance.
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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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A 49,177 SF strip center in foreclosure at 40% occupancy, purchased at 65% LTV on a 12-month interest-only bridge with two 6-month extension options and a $250K capital-improvement holdback — closing a 1031 exchange on deadline and keeping the lease-up upside with the buyers.
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Two vacant historic downtown buildings with a maturing purchase mortgage and unfinished construction plans. Funded at 58% LTV on a 9-month interest-only bridge with a nine-month interest reserve — no distressed sale, and runway to reach construction financing.
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A rental owner needed to purchase a 5,687 SF home before establishing short-term rental income. Helvetica structured a $793,000 first-mortgage bridge at 65% of the $1.22 million purchase price, with a 12-month interest-only term and 1 six-month extension option while the borrower worked toward a long-term refinance.
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A vacant 74,356 SF industrial building bought at $2.55M against a $3.5M value. Funded at 48% LTV on an 18-month interest-only bridge so the buyer could capture roughly $950K of day-one equity and stabilize at market NNN rents.
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A 20,846 SF mixed-use retail, storage and residential center bought at a below-market basis and financed at 65% LTV — 18-month interest-only with two 6-month extensions and a tenant-improvement holdback released as new market-rent leases were signed.
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Helvetica provided a $1.01 million first-mortgage bridge to purchase the final 5 homes from a prior partnership's portfolio. The loan carried a reported 54.3% LTV and a 12-month term in the loan summary. The borrower planned to rent 4 homes, sell 1 after repairs, and refinance the retained rentals with a long-term lender.
Read full case studyReplacement multi-tenant shopping center under contract with the 180-day window closing and permanent financing months away. Helvetica funded the acquisition at 65% LTV on a 12-month bridge so the exchange closed on time; the borrower took out the bridge with long-term financing after stabilization.
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A 20-year owner of 0.85 acres next to Liberty Station needed financing until a developer planning 79 apartments closed. Helvetica funded a $2,400,000 12-month bridge at 56% LTV that the buyer was pre-approved to assume.
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127 acres of entitled ocean-view land held by a legacy family entity, stalled on a city road approval. A $6.5M first mortgage at 18% LTV against $37M of value refinanced the maturing bridge and funded site work ahead of a $32M construction loan.
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A 1031 exchange deadline and constrained institutional lending during COVID required a purchase bridge on a fully occupied retail building. Helvetica structured a $900,000 first mortgage at 56% LTV, with a 12-month interest-only term, two 6-month extension options, and additional rental-property collateral while the buyer arranged an institutional refinance.
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A foreign-national owner needed to acquire an 11-property rental portfolio during a partnership dissolution. Helvetica provided a $1.4 million first-mortgage refinance at a reported 55% LTV, replacing existing debt with no cash out to the partners and an 18-month interest-only term while the borrower arranged institutional financing.
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A $4.9M first trust deed at 19% LTV against 12 luxury condo units in a historic, ocean-view mixed-use building — retired maturing construction debt, paid contractor advances, and funded completion of remaining penthouses on a 24-month interest-only term.
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Mid-COVID close for a credit-challenged borrower facing a hard 1031 deadline. 12-month term, no prepay, multi-property structure with Marcus & Millichap.
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A fully permitted, architect-designed spec home roughly 70% complete with no income and no bank appetite. An $800K first mortgage at 19.5% LTV against a $3.7M completed value funded construction completion plus holding and marketing costs on a 12-month interest-only term, with the sale as the exit.
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A matured loan on a fully permitted downtown high-rise conversion refinanced at 65% LTV, interest-only, with up to 24 months of runway — permits and the hotel brand commitment preserved while construction financing was arranged.
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Helvetica structured a $3.2 million first-mortgage bridge on 77,926 SF of retail space to replace maturing purchase debt and support tenant improvements. With $600,000 in fund control, a signed 35,000 SF lease, and a proposed second tenancy, the owner planned a bank refinance after establishing operating income. The cover reports 12 months and 46.6% LTV; narrative terms differ.
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Identity theft hurt a business owner's credit, and his bank declined to extend a maturing loan. Helvetica funded a $1.2 million, 12-month bridge at 50% LTV on his owner-occupied industrial building, paying off the bank and adding working capital.
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A multi-state cannabis operator preparing for a public listing set out to buy the San Diego office building its licensed dispensary already occupied. A complex corporate structure, large net operating losses and the tenant use itself each independently ruled out bank financing. Helvetica funded a $3,380,000 purchase loan underwritten on the real estate.
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A well-built suburban office building bought well below replacement cost, with its sole credit tenant set to vacate inside a year — insufficient forward DSCR for any bank. A $1,172,000 first mortgage at 70% LTV closed the purchase quickly and gave seasoned sponsors 24 months to re-tenant and stabilize.
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A Sorrento Mesa flex/industrial building with a maturing bank loan, two years of vacancy behind it, and a freshly signed 5-year absolute-NNN lease. A $3.7M first mortgage at 56.5% LTV retired the maturing debt and funded tenant improvements — 12-month interest-only, with a conventional refinance once the lease seasons.
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Helvetica structured an $850,000 first-mortgage bridge at 55% LTV for a 71%-occupied Federal Way retail center. The 12-month interest-only loan included a six-month interest reserve while the owner reduced debt, completed improvements, leased vacant space, and prepared the property for sale.
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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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A 121,094 SF retail center left dark by a big-box departure, with a new regional anchor lease closing concurrently. A $2.7M first mortgage at 54% LTV consolidated existing mortgage and business debt and funded improvements plus landlord lease obligations — 12-month interest-only, with DSCR above 1.5x at closing and an institutional refinance once repositioned.
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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% reported LTV, a 12-month interest-only term, and 2 six-month extension options while the borrower arranged traditional bank financing.
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A non-profit congregation's private-money loan on its legal non-conforming church building had matured, with poor payment history closing every bank door. A $450,000 first trust deed at low LTV, amortized over 20 years with a 7-year maturity, retired the balloon and lowered the monthly payment.
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One $1M junior trust deed wrapped three coastal luxury homes at 48% CLTV, delivering business growth capital without refinancing three below-market first mortgages — 24-month interest-only, no property sold.
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Reverse exchange bridge let the borrower close the upleg before the Beverly Hills downleg sold. 50% blended LTV across three luxury homes — including a former Marilyn Monroe residence — no appraisal, no prepay.
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A 10-year bank loan came due four months after a 21-year tenant leasing 51% of a Tucson industrial building moved out. Helvetica funded a $1,450,000 12-month bridge at 60.42% LTV so the owner could re-lease and refinance with a bank.
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A 24,960 SF office/retail building with recovering occupancy and a maturing private-money note — declined by banks over its downturn-era vacancy and discounted-payoff history. A $1.9M first trust deed at ~64% LTV retired the balloon on a 24-month bridge, giving the borrower runway to season income and refinance conventionally.
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A 6-story, 121,952 SF hospital closed by a publicly traded operator and sold off-market before year-end. Helvetica acquired it in the desirable Kenwood neighborhood at a basis significantly below replacement cost, positioned for adaptive reuse into 92 multifamily units or resale to a developer.
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A furniture store owner had fallen behind on his mortgage. Helvetica bought the $1.04 million first-mortgage note and reworked its terms instead of foreclosing. Payments came current, and the loan was on track to pay off in full by October 2020.
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A note on a Los Angeles mixed-use building was due in 30 days. Helvetica funded a $1.7 million, 24-month interest-only refinance at 64% LTV that paid it off, lowered the rate, and added cash for improvements ahead of a planned sale.
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A free-and-clear 1926 hillside villa with celebrity provenance, no usable comps and a self-employed owner with limited income documentation — declined by banks as jumbo credit froze in 2008. A $3.5M first trust deed delivered full cash-out proceeds on a 12-month interest-only term, with cross-collateral solving the valuation problem.
Read full case studyExperienced rehab sponsors spent more than nine months waiting on a short sale approval, then had a short window to close once it landed. Helvetica funded the $900,000 acquisition five days after the initial request, with no prepayment penalty so the loan could be repaid the moment the property resold — which it did, inside four months.
Read full case studyA repeat borrower carried two separate high-interest loans against the San Diego office building his own business occupied. A single $795,000 first mortgage at low leverage retired both lenders at once, leaving one payment at a lower overall rate — underwritten on the collateral and his payment record rather than a full bank income file.
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Stabilized single-tenant corporate-guaranteed ground lease sourced and closed inside the 180-day window. Investor doubled income, cut management ~100%, later refinanced with $900K cash-out.
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An Illinois regional bank wanted five contiguous, income-producing Lake Michigan frontage parcels cleared in a single disposition. Helvetica acquired the entire REO pool — 16 units at 80% occupancy — below its underwritten group value, leased up the vacancies, and sold the assembled lakefront portfolio.
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Three adjacent infill parcels totaling roughly 15,000 SF came off-market through an estate sale after 40 years of family ownership. Helvetica acquired the coastal assemblage at $2.3M and entitled it for five new ocean-view residences — one single-family home and two twin-home buildings, 11,597 SF approved — capitalized with $2.5M of preferred equity, then sold the shovel-ready development to a local contractor.
Read full case studyHelvetica funds commercial bridge, 1031 exchange, and structured loans from $300K–$10M+, typically closing 3–10 days following receipt of all requested documentation.