Bridge Real Estate Financing for Investors & Developers
Fast, flexible bridge capital for acquisitions, construction, and refinance—built around your business plan and exit strategy.
7–21 day close · Flexible structures · Florida & Southeast coverage
What we finance
Brora Capital provides private bridge real estate financing for experienced sponsors across income-producing and transitional assets. We size to the deal and timeline, not a one-size scorecard, so you can move decisively and execute the plan.
Property types
- Multifamily (stabilized, value-add, lease-up)
- Commercial (office, industrial, retail, mixed-use)
- Residential investment (1–4 unit, portfolios)
- Land with clear path to development (select cases)
Use cases
- Time-sensitive acquisitions
- Construction & heavy rehab with draw schedules
- Refinance & recapitalizations ahead of take-out or disposition
Programs at a glance
Acquisition bridge financing
Move fast with certainty of close. Short-term, interest-only structures sized to your sources/uses and exit—so you can win the deal and execute the plan.
Construction bridge loans
Purpose-built for buildouts and ground-up. Milestone-based draw schedules, interest reserves, and budget controls that keep the project on track.
Refinance bridge loans
Extend runway to stabilize or reposition. Flexible short-term real estate loans that bridge to permanent debt or disposition on your timeline.
Why borrowers choose Brora
Speed with clarity
Streamlined diligence and responsive underwriting so capital is ready when your deal is.
Flexible structures
Senior bridge capital with interest-only options, interest reserves, and draw schedules tied to milestones.
Operator mindset
Terms and covenants that reflect the actual business plan, not lender convenience.
Transparent partnership
Clear communication from term sheet to payoff, with predictable approvals.
How our process works
Share your deal
Asset profile, market, business plan, timeline, and sources/uses—plus desired exit (refi or sale).
Underwrite & structure
We size short-term bridge terms to plan and timeline—aligning LTC/LTV, interest reserve, and draw cadence.
Docs & close
Checklist-driven diligence with coordinated third-party reports for a clean, on-schedule close.
Funding & draws
Timely disbursements tied to verified milestones; transparent draw tracking from day one.
Execute exit
Seamless payoff into permanent debt or disposition when the project hits its targets.
What we look for
- Experienced sponsor and clear track record
- Realistic budget, timeline, and exit (refi or sale)
- Market and asset fundamentals that support the plan
- Transparent documentation (see checklist below)
Documentation checklist
- Executive summary & business plan
- Purchase contract / current debt details
- Rent roll & T-12 (if applicable)
- Pro forma & construction budget (if applicable)
- Entity docs and sponsor track record
- Third-party reports (as required)
Our Real Estate Financing Services
Private Real Estate Lender
Asset-focused lending for experienced investors and developers.
Business Construction Financing
Funding aligned to budgets, milestones, and timeline realities.
Commercial Real Estate Financing
Capital solutions for office, industrial, retail, and mixed-use.
Residential Real Estate Financing
Investment properties and portfolios with flexible terms.
Multifamily Real Estate Financing
From acquisition to repositioning and lease-up.
Explore All Our Services
We focus on senior bridge and construction structures across Florida
Florida & Southeast Coverage
We’re based in Florida with a focus on Boca Raton and surrounding markets, and we finance across key Southeast metros.
FAQs (short answers for rich results)
What types of sponsors are a fit for bridge real estate financing?
We primarily work with experienced investors and developers who have a directly relevant track record, a clear business plan, and realistic assumptions around budget, timing, and exit.
What kinds of properties work best for bridge financing?
Bridge real estate financing is ideal for income-producing and transitional assets—multifamily, residential investment portfolios, office, industrial, retail, mixed-use, and select land or redevelopment plays with a defined path forward.
Can bridge financing be used for value-add and heavy rehab projects?
Yes. Many sponsors use bridge loans to execute value-add and heavy rehab strategies, with funding structures that align capex, draw schedules, and the path to stabilization or sale.
Can you step in and refinance an existing bridge or construction lender?
In select cases, yes. We can provide new bridge real estate financing to refinance a maturing or restrictive facility, recapitalize the project, and create runway to complete the plan.
Do you work with mortgage brokers and intermediaries on bridge deals?
Yes. We frequently work with brokers and intermediaries and are transparent about fees, process, and timelines so everyone is aligned from the first term sheet.
How much equity do I need for a bridge real estate loan?
Sponsors should expect to bring meaningful cash equity—often 20–35% of total project costs—depending on asset type, leverage, and overall risk profile.
Do you require full recourse on bridge financing?
Most bridge loans include some level of recourse or personal guarantee, calibrated to leverage, deal risk, and sponsor strength. Specifics are outlined clearly in the term sheet.
How important is personal credit for approval?
We are more focused on the asset, business plan, and track record than on a single credit score, but sponsor financial strength and credit history are still part of our overall underwriting.
Do you work with out-of-state or foreign sponsors on Florida and Southeast projects?
Yes, on a selective basis. We look closely at sponsor experience, local operating partners, and the specific deal to ensure the project and team are a fit for bridge execution.