Commercial Bridge

Commercial real estate bridge financing

Bridge loans for small bay industrial, self storage, and multi-tenant retail. Acquisition, repositioning, and lease-up capital for commercial operators who need speed and flexibility.

Close in as few as 10 days

Up to 80% loan-to-cost

Rehab capital available

Get your commercial bridge loan quote

Term sheet in 48 hours. No obligation.

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$100K+

Loan size

Up to 80%

Loan-to-cost

12% IO

Rate

12-24 mo

Term

10 days

Closing

Available

Rehab capital

All loans are subject to underwriting approval. Rates, terms, and fees vary based on property type, loan-to-value ratio, borrower experience, and market conditions. Requity Lending is a commercial bridge lender; we do not offer consumer residential mortgages. Contact us for a customized quote.

Why Requity

Built for deals banks cannot close

Conventional lenders need stabilized income, clean tenant rolls, and 60-90 days to close. The best commercial deals have none of those things. Bridge financing lets you acquire, improve, and stabilize before seeking permanent capital.

Speed on Off-Market Deals

The best commercial deals are sourced directly and require fast closings. A close in as few as 10 days with no financing contingency wins deals that 60-day bank processes lose. We provide proof of funds and close on your timeline.

Business Plan Underwriting

Banks underwrite trailing NOI. We underwrite the opportunity. A half-vacant industrial building or a self storage facility with below-market rates gets funded based on where it is going, not where it is today.

Flexible Structures

Improvement holdbacks for renovations, interest reserves for lease-up periods, and extension options for projects that need additional runway. We structure loans around your business plan, not a rigid product box.

Use Cases

What we finance

Small bay industrial & flex space

Multi-tenant industrial buildings are one of the strongest commercial asset classes in the current market: high demand from e-commerce, last-mile logistics, and small business tenants, with limited new supply and strong rent growth. Bridge financing lets you acquire underperforming buildings and execute the value-add play before permanent capital is available. For dedicated industrial and flex space financing, see our Industrial Bridge Loans program.

Flex/Industrial Acquisitions

Acquire small bay industrial, flex, and light manufacturing properties. These 10,000-100,000 SF multi-tenant buildings are too small for institutional capital but generate strong cash flow when properly leased and managed.

Conversion & Repositioning

Convert obsolete office or retail to industrial flex space. Subdivide large single-tenant buildings into multi-tenant small bays. Upgrade loading docks, electrical, and HVAC to attract higher-paying tenants.

Lease-Up Capital

Finance the acquisition and lease-up of vacant or underoccupied industrial space. Bridge capital provides runway to execute tenant improvements, marketing, and lease negotiations without the pressure of conventional debt service coverage requirements.

Self storage facility financing

Self storage has proven itself as one of the most resilient commercial asset classes through multiple economic cycles. The value-add opportunity is clear: acquire facilities with below-market rates and minimal online presence, implement modern revenue management, and watch NOI climb. Bridge financing gives you the acquisition capital while you execute.

Facility Acquisitions

Acquire existing self storage facilities that need operational improvements, rate optimization, or physical upgrades. Mom-and-pop operators with below-market rates and minimal online presence represent the strongest value-add opportunities.

Expansion & Conversion

Finance the addition of climate-controlled units, construction of new buildings on existing land, or conversion of adjacent retail or warehouse space into storage. Adding 100 units at $100/month creates $120,000 in annual revenue.

Revenue Management Optimization

Acquire underpriced facilities, implement modern revenue management software, raise rates to market, add tenant insurance and ancillary revenue streams. Bridge capital funds the acquisition while you execute the NOI improvement plan.

Multi-tenant retail financing

Service-oriented and necessity-based retail continues to perform. Strip centers anchored by grocers, medical offices, and essential services generate stable cash flow with predictable demand. The value-add opportunity exists in properties with lease rollover, vacancy from anchor departure, or deferred maintenance that conventional lenders avoid.

Strip Center & Neighborhood Retail

Acquire multi-tenant strip centers, neighborhood retail plazas, and service-oriented retail properties. Grocery-anchored, medical, or service tenant bases provide stable cash flow. Bridge financing covers acquisitions with near-term lease expirations or vacancy that conventional lenders avoid.

Tenant Turnover & Re-Leasing

Finance properties where anchor or major tenants have vacated or given notice. Bridge capital provides time to execute tenant improvements, market the space, and sign replacement tenants at higher rates before refinancing into permanent debt.

Facade & Common Area Upgrades

Renovation capital for exterior upgrades, parking lot improvements, signage, and common area modernization that attract higher-quality tenants and justify rent increases. Improvement holdbacks fund the work as it is completed.

FAQ

Commercial bridge lending FAQ

What types of commercial properties does Requity Lending finance?

Requity Lending provides bridge financing for a wide range of commercial real estate including small bay industrial, flex space, self storage facilities, multi-tenant retail centers, strip malls, mixed-use properties, and other commercial asset classes. We also have dedicated programs for manufactured housing communities, RV parks, and multifamily properties.

Does Requity finance small bay industrial and flex space?

Yes. Small bay industrial and flex properties are an active lending category. We finance acquisitions, tenant improvements, conversions from other use types, and lease-up capital for multi-tenant industrial buildings. Typical properties range from 10,000 to 100,000 square feet.

Can Requity Lending finance self storage acquisitions?

Yes. We finance self storage facility acquisitions, expansions (adding units on existing land), conversions from other property types, and operational turnarounds. Our underwriting accounts for the unique revenue characteristics of self storage including unit mix, occupancy ramp curves, and rate optimization potential.

Does Requity finance multi-tenant retail properties?

Yes. We finance strip centers, neighborhood retail, and service-oriented multi-tenant retail properties. Properties with near-term lease expirations, vacancy, or anchor tenant turnover are common bridge loan scenarios where conventional lenders cannot move fast enough or take the lease-up risk.

How does Requity underwrite a commercial property with significant vacancy?

We evaluate the property based on its stabilized potential, not just trailing income. Our underwriting examines market rents for comparable space, the borrower's leasing plan and timeline, tenant improvement budgets, and the exit strategy. A commercial property at 50% occupancy with strong market fundamentals and an experienced operator is a deal we want to evaluate.

Can I include tenant improvement capital in my bridge loan?

Yes. We structure improvement holdbacks that cover tenant improvements, common area upgrades, facade renovations, and other capital expenditures needed to lease and stabilize the property. Funds are released on a draw basis as work is completed.

What is the typical exit strategy for a commercial bridge loan?

Common exits include refinancing into conventional bank financing, SBA 504 loans, CMBS, or agency debt once the property is stabilized with documented occupancy and income. Some borrowers also exit through sale of the improved, stabilized asset.

How fast can Requity close on a commercial property?

We can close commercial acquisitions in as few as 10 days from signed term sheet. Most deals close within 10 to 15 business days. We deliver term sheets within 48 hours of receiving a complete deal package.