Real Estate Lending Programs For Special Situations
... and get a loan term sheet in as little as 48 hours!
SPEED
Loans closing in as little as 5 business days
FLEXIBILITY
Our hands-on experts deliver agile, common-sense underwriting—not dictated by algorithms
TRUST
Communicate directly with our team's experienced private lending decision makers
Speed, Flexibility, and a Team You Can Trust
Our team delivers rapid, adaptable private lending solutions with unmatched reliability, ensuring you can trust us to meet your needs efficiently and effectively in any financial situation. We prioritize exceptional service and satisfaction, providing gap financing solutions that are both timely and dependable.
Lending Criteria
At Spectra Lending, we offer customized bridge loans from $750,000 to $10 million for diverse commercial real estate, excluding office buildings. We specialize in bridge loans, acquisitions, refinancing, working capital, for special financial situations. Our common-sense underwriting prioritizes speed, adaptability, and real-world property potential, without using algorithms or FICO scores. Expect fast closings and a private lending partnership that values your property vision.
Bridge Loan Amounts of $750K-$10M
Office Space Not Eligible for Our Program
Real Estate Asset held in an LLC or Corp entity
Non-owner occupied business purpose loans only
US, USVI, & Puerto Rico Eligible
Short-Term Real Estate Capital Solutions for
Commercial Real Estate Projects
Spectra Lending stands out as a dedicated direct private lender within the commercial real estate loan market, with a focus on delivering short term financing solutions and working capital for commercial real estate. Our private bridge loans are designed to meet the needs of a borrower who is navigating through a particularly challenging and complex financial situation.
Is a Bridge Loan Right For You?
ARE YOU IN A DISTRESSED LOAN SITUATION?
HAVE YOU BEEN TURNED DOWN BY TRADITIONAL LENDERS AND FINANCING OPTIONS?
ARE YOU SHORT ON TIME TO CLOSE?
Real Estate Bridge Loan Application Process
Submit Loan Pre-Qual
Complete our bridge loan pre-qualification form by clicking the I'm a Broker or I'm a Borrower buttons located throughout the site. This convenient short form loan pre-qualifier will take less than five minutes and help determine if your real estate investment property meets our basic lender requirements for bridge loans. We'll be in touch with you shortly!
Complete Loan Quick Application Form
Once your bridge loan pre-qualification indicates that your real estate investment property meets the private lender eligibility requirements for our bridge loan, you will be redirected to a more complete bridge loan application. Completing the application takes approximately ten minutes. We'll be in contact with you shortly!
Schedule Call With Our Private Loans Origination Team
Schedule a call with our bridge loan origination team for personalized assistance. Our team's experienced originators will review your loan application prior to meeting and reach out directly with any questions or additional needs.
Complete Bridge Financing
Complete your property financing with our straightforward and efficient application process. Our team's experenced lenders will continue to work directly with you to rapidly deploy funds for your property cash flow needs.
Example Transactions
See the real-world impact of our private money loans.
Bridge Loan Amount
$3.4M
Location
Rockaway, NJ
Loan Closing Time
9 Days
Loan Type
Construction Loan
Bridge Loan Amount
$5M
Location
Greenwood, IN
Loan Closing Time
9 Days
Loan Type
Commercial Retail Property
Where We Operate
We offer private real estate lending solutions solutions in the United States, Puerto Rico, and the U.S. Virgin Islands. Solutions are available in all U.S. states except AR, AZ, CA, FL, TN, TX, MI, MN, MT, ND, NV, OH, OR, SD and VT.
Leadership
