Our Program
A bridge loan is a type of short-term loan, typically taken out for two weeks to 12 to 24 months. It can also be referred to as a swing loan. A bridge loan is typically used until an individual or entity secures permanent financing or removes an existing obligation.
Bridge loans have somewhat higher interest rates and are collateralized by real estate. Bridge Loans help property owners and real estate buyers lock down funding, allowing for a gap in time while selling one property and buying another.
Ambition Lending’s Commercial Bridge Loan program helps investors close quickly on commercial assets that need stabilization, value-add, or fast takeout refinancing. Unlike banks, we move quickly and structure short-term solutions that give you the breathing room to execute your strategy.
Ambition Lending provides fast commercial bridge loans to purchase, refinance, or renovate residential & commercial real estate investment properties up to $10,000,000.
Approvals in 24 hours, funding in as little as 7–10 business days.
6–36 month bridge loans tailored to your project timeline.
Lending across most U.S. markets, with select regional focus for large assets.
$500,000 – $20,000,000
Up to 75% of purchase or appraised value
6–36 months (extensions available)
10.99% to 12%
Interest-only, competitive rates
Acquisitions, refinance, value-add repositioning, cash-out for improvements
Nationwide, in metropolitan and coastal areas, no rural
Stabilization/refi into DSCR, CMBS, or agency loans; property sale
why
Bridge loans are designed for speed and flexibility and that’s exactly how we structure them. Whether you’re buying time to stabilize rents, executing a value-add renovation, or refinancing out of maturing debt, Ambition Lending delivers certainty when you need it most.
Let’s Talk!
Submit your deal details today and we’ll deliver a term sheet within 24 hours.
FAQs
Our commercial bridge loan rates start at 10.99% interest only. All rates are based on three factors: Loan to Value (LTV); Sponsor or Guarantor Experience and Creditworthiness; and the overall risk & location of the property.
Yes. It’s obvious that traditional lenders take more time to fund a loan. It’s not uncommon to wait 30-45 days until you can get a loan from a bank or other lenders. You will need to file a lot of paper work and come up with many documents before you can be approved. This might be the biggest difference between traditional lenders and Commercial Bridge Lenders. You can actually be approved within the same day of applying (once all files are submitted), for some real estate investors, this alone makes them choose a hard money lender other a bank many times.
Commercial Bridge Loans are frequently utilized to acquire multi-family homes, office buildings, retail stores, hotels, motels, self-storage facilities, and other similar properties. Their purpose is to provide temporary, short-term funding that bridges the gap between the purchase of the property and securing permanent long-term financing.
When looking for a commercial bridge loan, you should consider factors such as interest rates, loan amounts, approval and closing timelines, terms, fees, lender reputations, and prepayment incentives.
We fund real estate investments with clear terms, fast closings, and no surprises.
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