Bridge Funding


Commercial Loans for Real Estate Investment

General Guidelines

  • Bridge loans Min Loan 100,000 max loan 75,000,000
  • Max LTV 75% Refinance
  • Max Purchase LTV 90%
  • Max LTC 90%
  • ARV 70%
  • Min FICO 620
  • Initial Term: 12 months to 24 months.
  • Extension: 3 months or 6 months, with a total term not longer than 36 months Extension fee of 0.50% per extension.
  • Amortization: Interest only.
  • Renovation Budget: < 50% of PP OR < 50% of As-is value for Rate/Term Refi.
  •  Recourse/Non-Recourse available selectiviely : 1. All loans < $2MM are Full Recourse to warm body guarantor 2. All loans ≥ $2MM are Non Recourse with standard bad-boy carveouts, Completion guaranty & interest reserve replenishment guaranty as applicable.
  •  Renovation Budget: Required to hold back 100% of budget and any applicable deferred maintenance.
  • Fixed rate available for loans < $2MM.
  • Loans ≥ $2MM float based on SOFR.
  • 10% of loan amount Liquidity.
  • Two most recent consecutive months of bank statements or investment account statements required Liquid reserves must be seasoned for a minimum of 3 months for purchase transactions.
  • The cumulative amount including all guarantors is considered for loans with multiple guarantors.
  •  IRAs/401ks and other restricted assets are considered with a 50% haircut to market value.
  •  50% of cashout amount may be used to satisfy reserve requirement.

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Program Terms

As a direct lender, we have full discretion and the funds on hand to close quickly. CPG Lending prides itself on its customer service, ease of process, and speed. We look forward to helping you succeed by financing your next construction project.