Bridge and land financing when timing decides the deal.
Some deals are won on certainty of close, not on rate. A seller taking a lower offer because it funds in 3 weeks is a normal outcome in commercial real estate.
Bridge and land lending exists for those situations. It costs more than term debt. It is supposed to. What you are buying is speed and flexibility, and the right question is whether the opportunity is worth the carry. And when bank criteria are the obstacle rather than the timeline, private and second mortgage structures can carry the deal.
The short answer
Bridge and land financing costs more than term debt on purpose. What you are buying is speed and flexibility, and the lender's first question is how the loan gets repaid.
- Bridge is short term capital secured against commercial property, used when certainty of close matters more than rate.
- Land is the hardest asset to finance conventionally, because it produces no income while it is held.
- Pricing sits above term debt and carries lender fees, so the real test is whether the opportunity is worth the carry.
- Every file turns on the exit: a sale, a refinance into term debt, or a construction takeout that is genuinely achievable.
Short term capital secured against commercial property, used to:
- Close an acquisition before term financing is arranged
- Fund a property through repositioning or lease up
- Take out a maturing loan while a longer term solution comes together
- Free equity quickly for a time sensitive opportunity
The exit is the whole conversation. Lenders want to know precisely how the bridge gets repaid and when.
Loans secured against raw or serviced land, typically for:
- Acquisition of development sites
- Holding land through rezoning or approvals
- Servicing and site preparation ahead of construction
Land is the hardest asset to finance conventionally. It produces no income, values move with entitlement status, and lenders are cautious. Terms reflect that reality.
Speed comes from preparation, not pressure.
Files that close quickly have the appraisal ordered early, clean title, and a documented exit. Files that drag are usually waiting on something that could have been started 2 weeks earlier.
Bridge and land questions we hear most.
Where we finance this in British Columbia
Let's look at your timeline.
Tell us the property, the timeline and how you plan to exit. We will tell you what is realistic.