Large Commercial Bridge Loans for Development and Construction Over $5 Million: What You Need to Know.

Introduction

In the fast-paced world of commercial real estate, timing is everything. Whether you're acquiring land, starting vertical construction, or refinancing a property under development, access to immediate capital can make or break a deal. For projects requiring $5 million or more, a large commercial bridge loan can provide the critical short-term financing needed to move forward without delay.

At Commercial Partners of Texas, we help real estate developers, investors, and builders secure high-value bridge loans tailored for development and construction—especially when traditional lenders can't move fast enough.

What Is a Commercial Bridge Loan?

A commercial bridge loan is a short-term loan used to bridge the financial gap between the present and a future liquidity event, such as securing permanent financing, selling the property, or completing construction. These loans are ideal for projects in transition, especially large-scale developments that require fast capital infusion.

When to Use a Bridge Loan Over $5 Million

Bridge loans over $5 million are commonly used in these scenarios:

• Land acquisition with future development plans

• Ground-up construction of multifamily, office, retail, or industrial properties

• Entitlement or zoning approval stages

• Cash-out refinancing on under-construction projects

• Bridge-to-HUD or bridge-to-agency loan strategies

• Recapitalizing stalled or partially completed developments

Because large commercial projects often have multiple moving parts, lenders evaluate exit strategies, borrower experience, and the project’s feasibility.

Key Features of a Large Commercial Bridge Loan

Feature	Typical Range
Loan Amount	$5 million to $100+ million
Term	12–36 months (with extensions)
Interest Rate	9% – 14% (depends on risk, asset type, and leverage)
Loan-to-Cost (LTC)	Up to 80% of total cost
Closing Time	As fast as 10–21 days
Collateral	Land, development site, or project under construction

Bridge loans are asset-based, meaning the strength of the collateral and the sponsor's track record matter more than credit score or tax returns.

Why Choose a Bridge Loan for Construction or Development?

1. Speed: Bridge loans can close in weeks, unlike banks that take 60–90+ days.

2. Flexibility: Custom loan structures accommodate complex development timelines.

3. Non-bank Capital: Private lenders and family offices are willing to fund riskier stages of development.

4. Interest-Only Payments: Lower monthly payments free up cash for operations or project milestones.

5. No Prepayment Penalty (in many cases): Refinance or exit early without being locked in.

   
   

Ideal Projects for Large Bridge Loans

• Apartment developments (100+ units)

• Mixed-use urban developments

• Industrial parks or warehouses

• Retail center ground-up builds

• Hotels in strong locations

• Large land assemblages with site work underway

  
  

How We Can Help

At Commercial Partners of Texas, we specialize in high-value commercial real estate financing. Whether you're a developer needing fast funds to break ground or an investor recapitalizing a project, we can connect you with private lenders and institutional sources who understand large-scale development.

Our services include:

• Structuring $5M–$100M+ bridge loans

• Working with land developers, homebuilders, and commercial builders

• Handling entitlement risk and early-stage development loans

• Negotiating flexible terms to meet your timeline and business plan

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Ready to Discuss a Large Bridge Loan?

If you’re looking for a bridge loan over $5 million for development or construction, we’re here to guide you through the process. Our extensive lender network, speed, and deal-making experience can help you seize your next opportunity.

📞 Call us today at (832) 607-1113📧 Email: george@amerimort.com🌐 Learn more: www.amerimort.com