Top 10 best commercial bridge hard money loan lenders in USA.

Please call us at 832-607-1113 or email to us at george@amerimrt.com for any commercial loan.

Here’s a curated list of ten of the most highly regarded commercial bridge loan lenders in the U.S., based on deal volume, market reputation, speed to close, and flexibility of terms. These lenders specialize in short‑term financing (typically 6–24 months) to “bridge” property acquisitions, renovations, repositioning, or to cover gaps in more permanent financing.

1. Wells Fargo– Typical Loan Amounts: $1 million – $50 million+– Term: 6–24 months– Highlights: One of the largest commercial banks; strong capital base and nationwide branch network; competitive pricing but slightly longer approval times.

   
   

2. Bank of America– Typical Loan Amounts: $2 million – $100 million+– Term: 6–18 months– Highlights: Full-service national bank with robust commercial real estate lending platform; offers interest‑only payments and flexible prepayment options.

   
   

3. JPMorgan Chase– Typical Loan Amounts: $5 million – $200 million+– Term: 6–24 months– Highlights: Deep industry expertise; strong balance sheet allows for large and complex bridge financings; slightly higher rates but highly reliable execution.

   
   

4. CIT (now part of First Citizens Bank)– Typical Loan Amounts: $500 K – $50 million– Term: 6–24 months– Highlights: Mid‑market specialty lender; known for speed and ease of underwriting; competitive rates for deals under $25 million.

   
   

5. Ladder Capital– Typical Loan Amounts: $1 million – $100 million– Term: 6–24 months– Highlights: REIT with a large floating‑rate bridge loan portfolio; flexible leverage up to 75% LTC; quick turn times.

   
   

6. Trez Capital– Typical Loan Amounts: $1 million – $50 million– Term: 6–24 months– Highlights: Specialty bridge lender focusing on value‑add and transitional properties; strong reputation in secondary markets.

7. Apollo Commercial Real Estate Finance (ACREF)– Typical Loan Amounts: $5 million – $200 million+– Term: 6–24 months– Highlights: Public non‑traded REIT; deep pockets enable large, complex bridge financings; offers both first‑ and second‑lien structures.

   
   

8. Arbor Realty Trust– Typical Loan Amounts: $2 million – $100 million– Term: 6–18 months– Highlights: Focus on multifamily, healthcare, and seniors housing; consistent track record and competitive spreads.

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10. Walker & Dunlop– Typical Loan Amounts: $1 million – $100 million+– Term: 6–24 months– Highlights: Full‑service capital solutions provider; strong correspondent network; flexible bridge and mezzanine structures.

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12. Acore Capital– Typical Loan Amounts: $2 million – $150 million– Term: 6–36 months– Highlights: Independent specialty finance company; high‐leverage “bridge-to-agency” loans for multifamily acquisitions; rapid execution.

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Key Selection Criteria

• Speed to Close: Larger banks like Wells Fargo or BofA take 45–60 days, whereas specialty lenders (CIT/First Citizens, Trez, Acore) can often close in 15–30 days.

• Loan‑to‑Cost (LTC) & Loan‑to‑Value (LTV): Most lenders permit up to 65–75% LTC/LTV; Acore and Ladder can go up to 80% for stabilized assets.

• Flexibility: Public REITs (Acore, Apollo, Ladder) often provide more bespoke structures (e.g., second‑lien, interest‑only, PIK) compared to banks.

• Cost: All‐in yields (spread + SOFR/Euribor) typically range from SOFR + 250 bps at the largest banks to SOFR + 400–550 bps at specialty lenders.

Please call us at 832-607-1113 or email to us at george@amerimrt.com for any commercial loan.