ICS Bridge Loans





Short-Term Bridge Loans

Multifamily, Investment, and Commercial Bridge Loans provide competitive rates for buildings and borrowers in need of short-term financing for 12 to 36-months.






Income producing and owner-user property purchase and refinance transactions. Cash-out available. Used to stabilize properties, rehab, then refinance into a permanent loan or sell.


Multifamily, Manufactured Home Communities, Office, Retail, Industrial, R&D Flex, Self-Storage, Hotel/Motels & More.


$100k to $100,000,000+

ICS services capital requests from $100k to over $100MM.


1 to 3-Years

Fixed & Variable Rates

Interest Only



Based on Prime or SOFR

Rates are based on location, building quality, and leverage.


Multifamily 5+ Units 75%

Commercial 70%

Residential Investment 1-4 Unit 75%

Debt Service Coverage Ratio

Varies by Project


Bridge loans typically do not have a prepayment penalty.


1% to 5%

Points vary based upon property location, loan size, property type, income, and borrower financials.


7 - 21 Days

Loans  are typically closed in 7-21 days from application and receipt of all documents.


A full appraisal is usually required at this time unless an appraisal has been completed by a nationally recognized appraisal company within the last 6-months.


Down payment purchase funds must be verified via bank/investment statements.


Recourse and non-recourse available. Additional income property types considered on a case-by-case basis. Underwriting deposits may be required depending upon property location and deal type. Terms and conditions are subject to change prior to final loan commitment.


Bridge loans do not require cash reserves in most cases.


What is a Bridge Loan?

A bridge loan is a short-term loan used until a person or company secures permanent financing or removes an existing obligation. This type of financing allows the user to meet current obligations by providing immediate funds and/or cash flow. The loans are short term, typically 1 - 3 years, with relatively high interest rates and are usually backed by some form of collateral, such as real estate or inventory.


Bridge loans, also known as interim financing, gap financing or swing loans, "bridge the gap" during times when permanent financing is needed but is not yet available to the borrower. Both corporations and individuals use bridge loans, and lenders can customize these loans for many different situations.

How Do Businesses & Real Estate Investors Use Bridge Loans?

Businesses and real estate investors turn to bridge loans when they are waiting for long-term financing and need money to cover expenses in the interim or cash to purchase, refinance, or rehab real estate. For example, imagine a company is doing a round of equity financing expected to close in six months. It may opt to use a bridge loan to provide working capital to cover its payroll, rent, utilities, inventory costs and other expenses until the round of funding goes through. For example, a real estate investor may have a commercial building that is only 50-60% leased up and the current net operating income does not support the debt service coverage ratio required by lenders offering permanent financing. The investor may use a bridge loan during the lease-up period, then refinance into a permanent loan or sell the property.