Stabilized Bridge
Bridge capital for what comes next.
A completed or stabilized property does not always align immediately with permanent financing or disposition. Bridge capital can provide qualified property owners and developers with additional time and flexibility to execute the next stage of the business plan.
Relevant Situations
Where this capital applies
Qualification
Minimum Credit Score
Minimum Credit Score: 660+ (FICO)
Minimum credit score is one qualification factor. Additional underwriting requirements apply. Meeting the minimum credit score does not guarantee approval, terms, or funding.
Indicative Financing Parameters
Parameters structured around the transaction
Shown to illustrate the range East Towne Capital evaluates. Actual structure depends on the transaction, borrower, property, market, and current program availability.
Loan Amount
Core residential bridge programs may begin around $50,000 and extend to approximately $3,000,000. Larger bridge transactions may be evaluated through East Towne Capital's broader capital capabilities.
Purpose
Recently renovated or completed property, lease-up, stabilization, pending sale, permanent refinancing, maturing debt, and portfolio transition.
Potential LTV
Core residential programs may allow approximately 70% LTV on qualifying transactions.
Term
Generally short-term. Applicable extension options depend on program.
Credit
Minimum 660 FICO on qualifying transactions.
Exit
Sale, DSCR financing, permanent financing, or other approved exit.
Financing parameters are indicative and subject to current program availability, borrower and property eligibility, underwriting, due diligence, documentation, market conditions, and applicable capital-source requirements. Information shown does not constitute an approval or commitment to lend.
Pricing + Cost Considerations
Look beyond the rate
The interest rate is one part of the economics of a transaction. East Towne Capital evaluates the complete financing structure so borrowers can understand the potential cost of capital before moving forward.
Interest Rate
Current pricing available by request.
East Towne Capital Fee
Varies by transaction and financing structure.
Capital Source Origination / Financing Fee
Separate from East Towne Capital's fee; varies by financing structure and applicable program.
Third-Party Costs
Transaction dependent.
Prepayment
Program dependent.
Extension Provisions
May apply depending upon financing structure.
Other Transaction Costs
May apply.
Bridge Financing Cost Considerations
Bridge financing is generally evaluated differently from long-term permanent financing. Borrowers should evaluate the total cost of capital relative to the business plan and expected holding period.
East Towne Capital LLC fees, when applicable, are separate from any origination fees, points, underwriting fees, commitment fees, or other charges assessed by the applicable capital source. A transaction may also involve independent third-party expenses, including appraisal, legal, title, settlement, inspection, environmental, engineering, insurance, recording, and other due-diligence costs. East Towne Capital's fee is due only upon the successful closing of your loan. No fee is payable in advance, and if your loan does not close, no East Towne Capital fee is due. At closing, the applicable fee is disclosed and paid as part of the closing transaction and reflected on the applicable closing statement (HUD-1 or closing disclosure), separate from lender and third-party charges. The fees and expenses applicable to a particular transaction depend on the financing structure, property, borrower or sponsor, and program requirements and will be identified as applicable during the financing process. Rates, fees, terms, and program availability are subject to change. Information presented on this website does not constitute an approval or commitment to provide financing.
Fee Disclosure
FEE DISCLOSURE: East Towne Capital LLC may charge fees in connection with arranging, structuring, or facilitating a financing transaction. East Towne Capital's fees are separate from and in addition to any origination points, underwriting fees, commitment fees, administrative charges, or other financing costs imposed by the applicable capital source. East Towne Capital's fee is due only upon the successful closing of your loan; no fee is payable in advance, and if your loan does not close, no East Towne Capital fee is due. When applicable, the fee is collected at the closing table and disclosed and paid as part of the closing transaction on the settlement statement (HUD-1 or closing disclosure). Independent third-party costs, including appraisal, legal, title, settlement, insurance, environmental, engineering, inspection, recording, and other due-diligence expenses, may also apply. Actual rates, fees, costs, and financing terms vary by transaction and are subject to applicable program requirements, underwriting, due diligence, documentation, market conditions, and final approval. Nothing contained on this website constitutes an offer, approval, commitment to lend, or guarantee of financing.
Common Questions
Questions about stabilized bridge
When does stabilized bridge financing make sense?
When a completed or stabilized property needs time before a sale, permanent refinance, or next-stage execution — lease-up, seasoning, pending sale, or maturing debt.
Can bridge financing be used before a property is refinanced?
Yes — bridge capital is often used to bridge from completion or stabilization into permanent financing or DSCR financing.
What determines maximum leverage?
Core residential programs may allow approximately 70% LTV on qualifying transactions, subject to property value, borrower, and program.
What exit strategies are considered?
Sale, DSCR financing, permanent financing, or another approved exit that retires the bridge within the term.
Bridge the Gap to What’s Next.
Whether you’re repositioning an asset, preparing for permanent financing, or executing your next move, let’s structure capital around the opportunity.
Minimum Credit Score: 660+ (FICO)
No upfront East Towne Capital fee. Our fee is due only when your loan successfully closes. If your loan does not close, no East Towne Capital fee is due.