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 27 of 27 case studies
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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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 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.
Read full case studyBank stalled in committee with the 180-day clock running. Helvetica bridged the replacement at 65% LTV on an 18-month term so the buyer closed on time.
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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 $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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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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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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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 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 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.
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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.
Read full case studyHelvetica funds commercial bridge, 1031 exchange, and structured loans from $300K–$10M+ with closings in 7–21 days.