Commercial Bridge Loans in New York & MA

Fast, asset-based bridge financing for multifamily, mixed-use, and retail properties. Secure your project with certainty when traditional banks move too slow.

Specialized Commercial Real Estate Bridge Financing

A commercial bridge loan is a short-term private mortgage used to secure a property quickly or fund a transition period while an asset is being stabilized. Unlike traditional bank financing, which focuses on historical cash flow, Mako Loans’ private commercial bridge loans are underwritten based on the property’s current value and its future income potential.

Who This Loan Is For

Commercial Assets We Finance

Multifamily Housing

5+ unit apartment buildings in urban and suburban markets.

Mixed-Use Buildings

Properties combining residential units with ground-floor retail or office.

Retail Space

Anchored or unanchored shopping centers and strip malls.

Office Buildings

Medical, professional, and creative office spaces.

Industrial Buildings

Warehousing, distribution centers, and flex spaces.

Self-Storage

Value-add acquisitions or expansion bridge financing.

Typical Commercial Bridge Loan Terms

Term

What It Means

Loan Amount

$250,000 – $5,000,000+

Term Length

12 – 24 Months

LTV / LTC

Up to 75% LTV / 80% LTC

Interest Rates

Competitive Private Rates (Interest Only)

Amortization

Interest Only (Balloon at maturity)

Prepayment

Often flexible or no-PPP options

Get Funded in 3 Simple Steps

01

Quick Inquiry

Tell us about the deal. Receive preliminary terms in as little as 24–48 hours—with no hard credit pull to get started.

02

Rapid Underwriting

We handle property valuation and local underwriting entirely in-house. Our team works directly with you to verify the asset and finalize the loan structure without bank red tape.

03

Fast Closing

Once diligence is complete, we move straight to the closing table. Funds are wired to your project, often in as little as 7–14 days from your initial inquiry.

Regions We Actively Serve

We fund across New York (Capital Region, Central NY, WNY, Hudson Valley) and Western Massachusetts (Berkshires). Looking for local details? Explore our geo pages:

Local Coverage

Frequently Asked Questions

How does a commercial bridge loan differ from a bank loan?

Speed and flexibility. Banks require high DSCR and long approval cycles. Mako Loans focuses on the asset’s “as-is” and “pro-forma” value, allowing for much faster closings.

Do you require a personal guarantee?

Most of our commercial bridge loans are recourse, though we review non-recourse options for low-LTV deals with strong sponsorship.

What is the typical "exit strategy" for a bridge loan?

Most borrowers exit by refinancing into long-term permanent debt (like a CMBS or bank loan) once the property is stabilized, or by selling the asset.

Can you fund unanchored retail?

Yes, we review retail projects based on location, tenant mix, and the borrower’s experience in the market.

Commercial Bridge Loans

Get a Commercial Bridge Loan Quote

Tell us about your commercial asset and your funding timeline. Our underwriters will review your scenario and provide feedback within 24–48 hours.

Apply in minutes

60-second form: name, property, budget, timeline.

What We Fund

$100k+ hard money loans • New York & Massachusetts

Get Terms Fast

Deals reviewed and proof of funds sent quicky.

Funds at Closing

We coordinate title/attorney—funds wired once cleared.