When you need to close a deal fast, bridge loans are your best friend. These short-term financing solutions help you acquire, refinance, or reposition commercial properties while you secure permanent funding. But not all bridge lenders are created equal. We've
The Bridge Loan Landscape in 2026
The commercial real estate bridge lending market remains competitive, with lenders offering flexible terms for multifamily, industrial, and hospitality properties. Interest rates have stabilized, making bridge loans an attractive option for investors looking to move quickly. Key factors include speed of execution, loan-to-cost ratios, and non-recourse options. Whether you're a seasoned developer or a first-time investor, understanding the nuances of each lender can save you time and money.
How We Ranked the Top Bridge Lenders
We evaluated each lender based on loan amount flexibility, speed of funding, asset type specialization, leverage offered, and overall client experience. We also considered unique offerings like gap equity and non-recourse loans. Our goal is to match you with a lender that fits your specific project needs.
Here's a quick comparison of the top five commercial bridge lenders we reviewed. Each brings something unique to the table, from massive loan amounts to niche expertise in renewable energy.
| Provider | Best For |
|---|---|
| Ready Capital | Large-scale bridge loans with high leverage |
| AVANA Capital | Fast closings and diverse property types |
| Janover | Tech-savvy borrowers seeking quick quotes |
| Bison Financial Group | Gap equity and non-recourse bridge loans |
| Arbor Realty Trust | Multifamily bridge-to-HUD financing |
Detailed Reviews of the Top 5 Bridge Lenders
#1 Ready Capital
A screenshot of the Ready Capital website.
Ready Capital is a powerhouse in commercial bridge lending, offering core and non-core programs with terms up to five years. They handle loans from $5 million to $75 million, covering asset types like industrial, self-storage, essential retail, and hospitality. Their streamlined credit process and in-house portfolio management give you certainty of execution. You can leverage up to 75% LTC for core assets, making them a top choice for larger deals. They also offer floating SOFR-based rates with custom fee structures. If you need a reliable partner for substantial bridge financing, Ready Capital delivers.
#2 AVANA Capital
A screenshot of the AVANA Capital website.
AVANA Capital provides fast and flexible bridge loans for commercial real estate, focusing on speed and certainty of execution. They offer short-term, often interest-only financing for acquisition, refinance, or repositioning projects. Their platform covers a wide range of property types, including hospitality, industrial, and mixed-use. AVANA's key benefit is their ability to close quickly, keeping your project on track. They also have a strong focus on ESG and renewable energy lending. For borrowers who value speed and a broad property scope, AVANA is a solid option.
#3 Janover
A screenshot of the Janover website.
Janover, operating through multifamily.loans, is a digital platform that simplifies the bridge loan process for multifamily and commercial properties. They offer loans from $1 million and up, with terms from one to two years and interest rates ranging from 4.62% to 13.62%. Their maximum LTV reaches 75%, and they provide non-recourse options. Janover's strength lies in its user-friendly online tools and calculators, helping you quickly assess your financing options. They also cover a wide range of property types, including senior housing and student housing. If you prefer a tech-driven approach to bridge lending, Janover is worth exploring.
#4 Bison Financial Group
A screenshot of the Bison Financial Group website.
Bison Financial Group, based in St. Petersburg, Florida, is an advisory firm that connects investors with capital for commercial real estate and renewable energy projects. Founded in 1994 by brothers David and Jared Repka, the firm has participated in over $2 billion in transactions. They offer unique gap equity for construction and deep rehab up to 90% loan-to-cost, as well as 100%+ construction funding and small balance non-recourse commercial loans. Bison also specializes in bridge financing for private and municipal development, plus massive refinance cash outs on scattered site portfolios. If you need creative financing for complex projects, Bison Financial Group provides tailored solutions.
#5 Arbor Realty Trust
A screenshot of the Arbor Realty Trust website.
Arbor Realty Trust is a major player in multifamily bridge lending, offering fast and flexible financing for investors. They provide short-term loans for acquisition, rehabilitation, and stabilization of multifamily properties. Arbor's platform includes a range of loan programs, including bridge-to-HUD financing, which can streamline your path to permanent capital. They are known for their deep market insights and strong relationships with borrowers. Arbor also publishes regular market reports, helping you stay informed on trends. For multifamily-focused investors, Arbor Realty Trust is a trusted partner.
How to Choose the Right Bridge Lender for Your Deal
Start by defining your project's needs: loan amount, property type, and timeline. If you need a large loan with high leverage, Ready Capital is a strong choice. For fast closings on diverse properties, consider AVANA Capital. Tech-savvy borrowers will appreciate Janover's digital tools. If your project involves gap equity or non-recourse loans, Bison Financial Group offers specialized expertise. For multifamily deals with a path to permanent financing, Arbor Realty Trust is ideal. Always compare rates, fees, and terms before committing.
Streamline Your Bridge Loan Search
To speed up your search, use online platforms like Janover to get instant quotes. Then, reach out to lenders like Ready Capital or AVANA Capital for personalized terms. For niche needs like gap equity, contact Bison Financial Group directly. Finally, use Arbor Realty Trust's market reports to validate your assumptions. This workflow ensures you cover all bases without wasting time.
Closing the Gap: Your Next Step
Bridge loans are a powerful tool for commercial real estate investors, but choosing the right lender is crucial. Whether you prioritize speed, leverage, or niche expertise, the top five lenders we reviewed offer solutions for every scenario. Start by evaluating your project's unique requirements, then reach out to the lender that best matches your needs. With the right partner, you can bridge the gap to your next successful investment.