Here is a shortlist of active lenders and financial institutions providing commercial bridge financing for property acquisitions and renovations:
Sunwest Bank - Offers commercial bridge loans up to $50 million with loan-to-cost (LTC) ratios up to 75%. They specialize in temporary financing for purchasing or rehabilitating commercial properties with in-house construction draw oversight.
AVANA Capital - Known for structured and national commercial bridge programs, including specialized execution (such as hospitality, industrial, and mixed-use value-add projects) backed by institutional capital partnerships.
Wilshire Finance Partners - Focuses on short-term interim and bridge financing for the acquisition, rehabilitation, and stabilization of various commercial asset types (including mixed-use, industrial, and multi-family) when traditional timelines are too restrictive.
Yes. For commercial property renovation/value-add projects, these lenders are worth putting on a shortlist based on their currently advertised bridge programs:
Smaller through mid-market value-add deals where speed is important
Advertises $500K–$50M+, interest-only bridge loans and a 30-day-close capability; specifically lists transitional financing during renovations.
What I'd compare before choosing
For a renovation project, don't compare just the headline interest rate. The important questions are:
Loan-to-cost (LTC): Will the lender finance part or all of the renovation budget?
As-is vs. stabilized value: Is leverage based on today's property value or projected post-renovation value?
Construction draws: How quickly are renovation funds reimbursed, and what inspections are required?
Term and extensions: A 12-month bridge can become expensive if the renovation takes 18 months.
Interest reserve: Can interest during renovation be included in the financing?
Recourse: Is the loan full recourse, limited recourse, or non-recourse?
Exit requirements: Most bridge lenders want a clearly defined refinance or sale strategy.
Prepayment/exit fees: These can materially change the economics if you refinance early.
As a current market reference, one 2026 industry guide puts institutional bridge pricing around SOFR + 350–500 bps, bank bridge around SOFR + 400–550 bps, and private debt around SOFR + 500–700 bps, although actual pricing depends heavily on the property, leverage, sponsor and exit plan.
If you tell me the property type, location, purchase/current value, renovation budget, desired loan amount, and your approximate credit/real-estate experience, I can narrow this to a more targeted shortlist and compare the likely structures.
Sunwest Bank - Offers commercial bridge loans up to $50 million with loan-to-cost (LTC) ratios up to 75%. They specialize in temporary financing for purchasing or rehabilitating commercial properties with in-house construction draw oversight.
AVANA Capital - Known for structured and national commercial bridge programs, including specialized execution (such as hospitality, industrial, and mixed-use value-add projects) backed by institutional capital partnerships.
