Real estate financing and capital solutions for experienced operators
Senior bridge, construction, and capital funding for income-producing and transitional real estate—built around your business plan, not a one-size scorecard.
Brora Capital partners with investors, developers, and operators who need a lender that can move at deal speed without sacrificing clarity. We focus on senior bridge and construction structures across Florida and select Southeast markets, aligning leverage, reserves, and covenants to how your project is actually executed on the ground.
7–21 day close · Flexible structures · Florida & Southeast coverage
Overview of our services
At Brora, everything starts with a simple idea: capital should support the business plan, not fight it. We work with sponsors who need to close quickly, manage construction and lease-up risk, and bridge to long-term debt or disposition on their own timeline.
Our platform is organized around how operators actually use capital through the life of a project. That includes real estate financing by asset class, bridge real estate financing for short-term execution, capital funding to reset the stack, private lender solutions outside the bank box, and business construction financing for active developments:
- Real estate financing for commercial, residential investment, and multifamily assets
- Bridge real estate financing for acquisition, construction, and refinance
- Capital funding to replace, supplement, or re-align existing debt
- Private real estate lender solutions outside traditional bank underwriting
- Business construction financing for ground-up and heavy rehab projects
Our Key Offerings
Real estate financing
Private real estate financing for income-producing and transitional assets. We focus on senior structures for sponsors who know their markets and have a clear plan.
Asset-level pages
- Commercial real estate financing
- Residential real estate financing
- Multifamily real estate financing
Bridge real estate financing
Short-term bridge capital sized to your plan and exit—not to a generic DSCR box. Designed for sponsors who need to move quickly while keeping flexibility on the back end.
Programs
- Acquisition bridge financing
- Construction bridge loans
- Refinance bridge loans
Capital funding
Senior bridge capital to reset or optimize your capital stack. Use this when you need to refinance, recapitalize, or extend runway without stalling the business plan.
Typical uses
- Replace or supplement existing debt
- Extend runway for value-add and lease-up
- Bridge to agency, bank, or permanent take-out
Private real estate lender
Direct, relationship-driven lending outside the bank box. We focus on transparent structures, clear covenants, and a realistic view of how your project gets from today to exit.
What you can expect
- Senior private bridge lending
- Interest-only structures with reserves
- Plain-English terms from quote to payoff
Business construction financing
Construction-focused capital for sponsors and owners with active projects. We underwrite to your budget, milestones, and exit, then build a draw schedule that matches how work actually gets done.
Where it fits
- Ground-up and heavy rehab financing
- Milestone-based draws and budget controls
- Integrated with acquisition and refinancing strategy
How we work with sponsors
Share your deal
Asset profile, market, business plan, timeline, and sources/uses.
Underwrite & structure
We align LTC/LTV bands, reserves, and draws to your plan.
Docs & close
Clear checklists; coordinated third-party reports.
Funding & draws
Timely disbursements; visible progress tracking.
Execute exit
Refinance or disposition—clean payoff and transition
Why we stand out
- Speed with clarity – We move quickly, but we don’t do “maybe.” You get a clear read early, so you’re not chasing a mismatch.
- Flexible, senior structures – Interest-only bridge and construction terms calibrated to acquisition, construction, and refinance phases.
- Operator mindset – Covenants, reserves, and draws reflect how projects actually unfold: delays, leasing realities, and change orders included.
- Transparent partnership – Direct access to decision-makers, plain-English term sheets, and predictable approvals.
- Florida & Southeast focus – Deep familiarity with Florida and select Southeast metros, so we underwrite with local context, not generic national assumptions.
Who we serve
We’re a fit for sponsors who:
- Have a relevant track record with similar asset types or strategies
- Need to close quickly without sacrificing execution discipline
- Treat capital as a tool to run their business plan—not as a last-minute patch
- Are responsive, organized, and clear about their exit
We’re not a fit for:
- Consumer mortgages or owner-occupied primary residences
- Highly speculative plans without a defined exit path
- Situations where timing, documentation, or engagement won’t support execution
If you’re unsure whether a deal fits, a brief conversation usually clarifies it.
Frequently asked questions
Do you provide permanent financing or long-term fixed-rate loans?
No. We specialize in bridge, construction, and capital funding solutions—short-to-mid-term structures that carry projects to their next stage or permanent debt.
What markets do you cover?
We focus on Florida—with strong roots in Boca Raton and South Florida—and select Southeast metros where the asset, sponsor, and business plan are aligned.
Which asset types do you finance?
Primarily multifamily, commercial (office, industrial, retail, mixed-use), residential investment (1–4 unit), and select land or redevelopment with a clear path to value creation.
How quickly can I find out if my deal is a fit?
With a concise package—executive summary, sources and uses, basic financials, and sponsor background—we can often provide an initial read within a few business days.
Do you work with brokers and intermediaries?
Yes. We regularly partner with mortgage brokers, investment-sales teams, and other intermediaries, with transparent economics and process from the first conversation.