1. Purpose of the Loan

A bridge loan should serve a clear, strategic purpose. Common use cases include:
Fast property acquisitions – Competitive real estate deals requiring quick funding
Renovation and repositioning – Increasing a property’s value before refinancing or selling
Debt payoff or restructuring – Refinancing a maturing loan to avoid foreclosure
Cash flow support – Bridging gaps until a long-term financing solution is in place

We fund a variety of commercial real estate projects, including multifamily, retail, office, industrial, mixed-use, hospitality, and special-use properties.

2. Exit Strategy (Repayment Plan)

Bridge loans are short-term, so a clear and achievable exit strategy is required. Viable exit strategies include:
Refinancing into a long-term commercial loan (bank loan, CMBS, or agency loan)
Selling the property at an appreciated value
Generating cash flow from stabilized occupancy

We valuates each borrower’s exit strategy before approval, ensuring they have a solid plan for repaying the loan.

3. Loan Amount, LTV, and Down Payment

Our Small Balance Commercial Bridge Loans typically range from $1,000,000 to $20,000,000, with:
Loan-to-Value (LTV): Up to 75% (case-by-case basis)
Loan-to-Cost (LTC): Up to 80% for value-add projects
Down Payment: Borrowers typically contribute 20%–30% equity

Borrowers with strong collateral or additional assets may qualify for higher leverage.

4. Interest Rates & Loan Costs

Bridge loans have higher costs due to their speed and flexibility. Our rates and fees are structured competitively:
Interest Rates: Starting at 8%, depending on asset and borrower profile
Origination Fees: Typically 0%–2% of the loan amount
Underwriting Fees: $2,500
Appraisal & Due Diligence Costs: Vary by property type
Prepayment Flexibility: No penalty for early repayment in many cases

We ensure transparency in all loan costs so borrowers fully understand their financial commitment before closing. Please see our full breakdown on our homepage FAQ.

5. Loan Term & Flexibility

Our bridge loan terms range from 6 months to 3 years, with options for extensions if necessary. Key factors to consider:
Is the term long enough to execute your investment plan?
Can you refinance into permanent financing on time?
Does the lender allow extensions if needed?

Genesis Global Investment Group offers extension options for borrowers demonstrating progress toward their exit strategy.

6. Property Type & Condition

We finance both stabilized and value-add commercial properties, including:
Income-generating assets (multifamily, office, retail, industrial)
Properties needing minor to extensive renovations
Special-use properties (hotels, self-storage, gas stations, etc.)

For distressed or vacant properties, we assess the borrower’s rehabilitation plan and market feasibility before funding.

7. Borrower Qualifications

Genesis Global Investment Group prioritizes asset value over credit score, but we still review:
Real estate investment experience (preferred but not required)
Liquidity & net worth – Ensuring borrowers have sufficient reserves
Prior loan performance – A history of successful projects strengthens approval chances
Credit History – While flexible, a strong profile can help secure better terms

Even borrowers with low credit scores may qualify based on property strength and exit strategy.

8. Speed of Funding

One of the biggest advantages of a bridge loan is fast funding. Genesis Global Investment Group offers:
Pre-approvals in 24–48 hours
Funding in as little as 7 to 21 days, depending on deal complexity
Expedited processing for time-sensitive transactions

Having required documents ready upfront speeds up the process significantly.

9. Market Conditions & Investment Risks

Consider how external factors may impact your ability to execute your strategy, including:
Rising interest rates – Affecting long-term refinancing costs
Local market conditions – Demand, supply, and pricing trends
Tenant demand – If stabilizing a rental property, can you attract quality tenants?

Our team helps clients assess market risks to structure financing that supports their success.

10. Lender Reputation & Transparency

When choosing a lender, verify:
Industry experience and credibility
Transparent loan terms with no hidden fees
Clear underwriting and funding timelines

Here at Genesis Global Investment Group, we prioritize honest, borrower-friendly lending, ensuring clients receive straightforward terms with no surprises at closing.