Mixed-Use Property$4.6MBRIDGE LOAN
Wailuku, Maui, Hawaii
A $4.6 million cross-collateralized bridge loan structured to support a mixed-use property's financing needs and planned improvements, with a six-month interest reserve.
COMMERCIAL REAL ESTATE FINANCING
Commercial
Bridge Loans
Flexible Financing for Commercial Real Estate
Short-term financing for commercial acquisitions, refinances, and time-sensitive transactions, structured around the property and exit strategy—helping investors and owners move forward when traditional financing may not fit the timeline or complexity of the deal.
Submit a Loan RequestCommercial Loan Programs
01
Bridge Loans
Short-term financing for commercial acquisitions, refinances, and time-sensitive transactions.
02
Ground-Up Construction
Financing for eligible commercial development projects, from land acquisition through construction.
03
Bridge with Renovation
Combined acquisition or refinance financing and renovation capital for commercial properties requiring improvements.
LOAN PROGRAM OVERVIEW
Flexible Financing for Commercial Real Estate
Commercial real estate transactions often require flexible financing to meet tight deadlines, address complex property conditions, or bridge the gap to permanent financing.
Our commercial bridge loans provide short-term financing for acquisitions, refinances, equity access, and property repositioning. As a direct private lender, Myers Capital Hawaii evaluates each property's value, available equity, transaction structure, and exit strategy to structure financing for transactions that may not fit conventional lending criteria.
Whether you're acquiring a property, addressing a maturing loan, or preparing an asset for long-term financing or sale, we work to structure a solution around your objectives.
PROGRAM DETAILS
Commercial Bridge Loan Highlights
- No Personal Income Verification
- Available for qualifying transactions.
- Fast Closing
- As little as two weeks.
- Acquisitions
- Up to 80% Loan-to-Value (LTV).
- Refinances
- Up to 65% Loan-to-Value (LTV).
- Renovation Financing
- Up to 100% of the renovation budget for eligible projects.
- Loan Amounts
- $250,000 to $10 million.
- Rehab Financing
- Up to 70% Loan-to-After-Repair Value (ARV) for qualifying rehabilitation projects.
- Loan Terms
- 12 to 36 months, with extensions possible.
- Credit Flexibility
- FICO scores as low as the mid-500s for eligible borrowers.
- Nationwide Lending
- Available in eligible markets across our 42-state footprint.
Actual loan terms, leverage, credit requirements, and closing timelines depend on the property, transaction structure, borrower qualifications, and program eligibility.
PROPERTY TYPES
Eligible Commercial Property Types
We consider financing for a range of commercial real estate assets, including:
Property eligibility varies by program and market.
- Multifamily
- Mixed-Use
- Industrial
- Retail
- Hospitality
- Land
- Leasehold — Hawaii only
HOW THE PROCESS WORKS
Simple, Transparent Lending
Our process is designed to provide a clear path from initial review to closing.
- 01
Discuss Your Transaction
Share the property details, financing objectives, estimated loan amount, and target closing date.
- 02
Submit the Loan Request
Provide the application and supporting documentation needed to evaluate the transaction.
- 03
Review and Structure
Our team evaluates the property, equity position, financing requirements, and exit strategy to determine whether the opportunity fits our lending parameters.
- 04
Close and Fund
Once underwriting, due diligence, and closing requirements are satisfied, we coordinate the final steps to fund the transaction.
COMMERCIAL REAL ESTATE CASE STUDIES
Financing Solutions for Complex Transactions
Explore how Myers Capital Hawaii structures financing around real estate transactions with specific timing, property, and capital requirements.
Multifamily Property$400KBRIDGE LOAN
Chaska, Minnesota
A $400,000 cash-out bridge loan secured by a five-unit apartment complex. The proceeds helped address a balloon payment and fund unit renovations ahead of a planned transition to long-term financing.
Residential Land$510KBRIDGE LOAN
Kamuela, Hawaii Island
A $510,000 non-recourse bridge loan helped an investor acquire vacant land as a replacement property in a Reverse 1031 Exchange.
What is a commercial bridge loan?
A commercial bridge loan is short-term financing secured by commercial real estate. It can help investors acquire properties, refinance existing debt, access equity, or finance a property while preparing for a sale or longer-term financing.
When should I consider a commercial bridge loan?
A bridge loan may be appropriate when a transaction requires a faster closing, an existing loan is approaching maturity, a property needs repositioning, or conventional financing does not align with the transaction's timing or structure.
How quickly can a commercial bridge loan close?
Some qualifying transactions can close in as little as two weeks. Actual timing depends on the property's complexity, appraisal and due diligence requirements, documentation, underwriting, and closing conditions.
What commercial property types are eligible?
Eligible property types may include multifamily, mixed-use, industrial, retail, hospitality, land, and leasehold properties in Hawaii. Eligibility depends on the specific property, market, and loan program.
Can I use a commercial bridge loan to refinance an existing loan?
Yes. Eligible transactions may include refinancing existing debt, addressing a maturing balloon payment, or accessing equity in a commercial property. Financing is subject to underwriting and property review.
Do commercial bridge loans require personal income verification?
Requirements vary by transaction and program. Our asset-based approach emphasizes the property's value, equity, transaction structure, and exit strategy. Additional borrower financial information may be required.
What happens when the bridge loan term ends?
Borrowers typically repay a bridge loan through a property sale, refinancing into longer-term financing, or another planned source of repayment. A viable exit strategy is an important part of evaluating the transaction.
Does Myers Capital Hawaii offer commercial bridge loans outside Hawaii?
Yes. Myers Capital Hawaii lends in 42 states, subject to property, market, and program eligibility.
LET’S DISCUSS YOUR TRANSACTION
Need Flexible Financing for a Commercial Property?
Whether you're acquiring an asset, refinancing maturing debt, accessing equity, or navigating a time-sensitive transaction, Myers Capital Hawaii can help you explore a financing structure suited to your commercial real estate objectives.
Call 808-566-6611 to discuss your transaction.
All financing is subject to underwriting, property review, applicable lending requirements, and program guidelines. Rates, terms, loan amounts, leverage, availability, and closing timelines may vary. This content does not constitute a commitment to lend.