Flexible Capital for Transitional Properties​

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Not every commercial property qualifies for conventional long-term financing.

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• Maybe occupancy is low.

• Maybe you’re renovating.

• Maybe the seller needs a fast close.

• Maybe the property is unique.

 

Bridge and specialty financing exists for exactly these situations.

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If you need speed, flexibility, or short-term capital while you stabilize or reposition an asset, we structure bridge solutions that get you through the transition — and set you up for permanent financing later.

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When Bridge Financing Makes Sense

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Bridge capital is typically used when:

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• Occupancy is below stabilization levels

• You’re acquiring a value-add opportunity

• The property needs renovation or repositioning

• You’re closing quickly and need certainty

• You’re exiting a maturing loan

• Conventional lenders won’t underwrite current cash flow

• The asset is unique or outside traditional bank guidelines

 

Bridge isn’t long-term debt. It’s strategic, transitional capital.

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What We Evaluate

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Before recommending a bridge structure, we review:

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• Current occupancy and lease profile

• Renovation scope and budget

• Timeline to stabilization

• Exit strategy (refinance or sale)

• Sponsor experience

• Liquidity and reserves

• Market conditions

 

Bridge lenders underwrite differently.

They focus on asset potential and sponsor strength — not just today’s income.

We structure the deal around your path to stabilization.

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Types of Bridge & Specialty Capital We Access

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Through our lender network, we source:

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• Bridge loans (6–36 month terms)

• Interest-only structures

• Renovation and construction-to-perm structures

• Debt funds

• Private capital

• Transitional agency bridge

• Unique property financing

• Hard-to-place asset solutions

 

Loan sizes typically start around $500,000+, but vary by scenario.

Speed and flexibility vary by lender — and choosing the right one matters.

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Common Bridge Scenarios

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Renovation & Value-Add

Acquire an underperforming property, improve NOI, then refinance into long-term debt.

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Lease-Up

Stabilize occupancy before transitioning to permanent financing.

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Short Timeline Closings

Competitive acquisitions that require speed and certainty.

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Unique Assets

Properties that fall outside traditional bank guidelines due to condition, tenant mix, or structure.

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Maturing Loan Exit

Temporary financing while repositioning for agency or bank refinance.

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The Exit Strategy Matters

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The most important question in bridge lending is:

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What happens next?

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We structure every bridge transaction with a defined exit plan:

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• Refinance into agency or bank debt

• Transition to CMBS or life company financing

• Stabilize for sale

• Portfolio restructuring

 

Bridge without a strategy creates risk.
Bridge with a plan creates opportunity.

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Why Not Just Go to a Hard Money Lender?

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Some hard money lenders move quickly — but not all structures are equal.

We help you evaluate:

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• True cost of capital

• Extension terms

• Prepayment flexibility

• Default provisions

• Required reserves

• Exit feasibility

 

The goal is not just to close fast.
It’s to close smart.

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Who This Is Best For

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• Investors acquiring transitional assets

• Sponsors executing renovation plans

• Buyers needing fast closing certainty

• Owners stabilizing occupancy

• Borrowers with unique or non-standard properties

• Portfolio investors repositioning assets

 

If your property doesn’t fit neatly into a conventional lending box — this is where strategy comes in.

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Let’s Structure It the Right Way

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If you’re considering a bridge or transitional loan, let’s walk through:

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• The stabilization plan

• The timeline

• The refinance path

• The realistic capital options

 

We’ll outline viable structures before you commit to a term sheet.

Talk to Chris Butler
📞 (206) 222-5650
✉️ cbutler@barrettfinancial.com

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Or submit your project details and we’ll map out next steps.