Quick Bridge Financing for Commercial Real Estate Investors
When acquiring or repositioning a transitional commercial property, speed and certainty of execution are critical. Headquartered in Newport Beach, CA, Harbor Point Credit provides commercial real estate investors with the short-term bridge financing needed to acquire, stabilize, or refinance income-producing assets. We cater to a diverse range of property types, including 5+ unit multifamily complexes, retail storefronts, office buildings, mixed-use, and industrial flex properties.
Our commercial bridge loans are built to provide fast liquidity when traditional financing falls short. Whether you are executing a quick-close acquisition, accessing trapped equity through a cash-out refinance, or securing a property prior to ground-up construction, our agile underwriting team is designed to move at your pace. With fast term sheets and accelerated closings for qualified deals, we ensure you never miss out on a time-sensitive opportunity.
Flexible Capital for Value-Add and Transitional Assets
Executing a successful value-add strategy requires flexible capital that aligns with your specific business plan. At Harbor Point Credit, we understand that transitional properties often have low or no initial cash flow. That is why we underwrite based on the stabilized pro-forma value, requiring no minimum DSCR at closing if your repositioning strategy is strong.
We offer highly competitive leverage up to 85% Loan-to-Cost (LTC) for heavier transitional projects, complete with 12 to 36-month interest-only terms to keep your carrying costs low. If your project requires capital expenditures for tenant improvements, re-tenanting, or physical renovations, we can fund up to 100% of your approved capex budget through structured draw requests. Once your asset is stabilized, you are perfectly positioned to exit via sale or transition into a long-term permanent loan.