Commercial Bridge
Loan Program
Commercial Bridge Loan Program

Fast, Flexible, and Common Sense Commercial Bridge Loans
HML Investments provides fast commercial bridge loans to purchase, refinance, or renovate commercial real estate investment properties up to $10,000,000.

My property will host Businesses
Office, Multifamily, Retail, Mixed Use, Warehouse, Self Storage, Automotive, Car Wash
As Little As 5 to 7 days after valuation is completed
$250,000 – $10,000,000
Up to 75% LTV and 70% of ARV for rehab loans, not to exceed 90% of the purchase price
First Trust Deeds Only
8.5% to 12%
Starting at 2% – based on location, property, LTV, credit worthiness of the borrower, loan amount and term
Nationwide, in metropolitan and coastal areas, no rural

My property will host Businesses
Multifamily, Retail, Mixed Use, Warehouse, Self Storage, Gas Stations, Car Wash
As Little As 5 to 7 days after valuation is completed
$250,000 – $10,000,000
Up to 75% LTV and 70% of ARV for rehab loans,
Purchase, Refinance, Cash-out
9.99% to 12%
Min Credit Score:
600
Nationwide, in metropolitan and coastal areas, no rural
What Do I Need To Qualify?
- Simple, all you need is Equity in the property!
- No Appraisal Needed & No Pr epayment Penalty
- No personal income verification and very little
documentation.
- No minimum credit requirement
documentation.
- Simple, all you need is Equity in the property!
- No personal income verification and very little documentation.
- No minimum credit requirement

Steps To Close
Aplication day


Submit Application
When you accept the terms


Internal Valuation
Once you accept the terms, if you have a recent appraisal (within the last 30 days) we can use that for underwriting, otherwise our team will do an internal desktop valuation and site visit if necessary
5-7 days


Close!
Once we have your appraisal we submit to loan docs and will take about 5 – 7 days to close.

Aplication day


Submit Application

When you accept the terms


Internal Valuation
Once you accept the terms, if you have a recent appraisal (within the last 30 days) we can use that for underwriting, otherwise our team will do an internal desktop valuation and site visit if necessary.

5-7 days


Close!
Once we have your appraisal we submit lo loan docs and will take about 5 – 7 days to close.
Frequently Asked Questions
- Multifamily
- Mixed Use
- Medical Office
- Office
- Retail
- Industrial
- Gas Stations
- Agricultural
Our commercial bridge loan rates start at 9.99% 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.
- Unique acquisition situations requiring non-conventional financing such as a foreclosure sale or REO
- Sale & Leaseback Scenarios needing a quick closing
- Distressed Sales, IRS Liens, Bankruptcy Resolutions, Debt Consolidation
- Partner Equity Buyouts
- Mortgage Acquisitions and Discounted Mortgage Buybacks
- Rehab & Conversion opportunities which require property stabilization before permanent financing can be obtained
Request a Term Sheet
One of our commercial bridge loan specialists will go over your request to see if it’s a good fit.