Bridge and Mezzanine Loans
Agile Capital for Transitional Assets & Complex Stacks
RCA Capital secures institutional bridge debt, mezzanine financing, and preferred equity for real estate acquisitions, lease-ups, and recapitalizations nationwide. Move quickly on time-sensitive opportunities with custom debt structures tailored to your execution timeline.
Precision Debt Placement Across the Capital Stack
Short-Term Bridge Financing
Senior Debt (1st Lien)
- Time-sensitive acquisitions
- Value-add repositioning & lease-up
- Discounted payoff (DPO) execution
- Construction-to-perm transitions
- Fast, asset-based underwriting
- Flexible interest-reserve structures
- Light-doc/Stated-income execution
- Minimal to no prepayment penalties
Mezzanine Debt & Preferred Equity
Subordinate / Second Position (Between Senior Debt & Sponsor Equity)
- Filling equity funding gaps
- High-LTC/LTV development projects
- Capital recapitalizations & partner buyouts
- Equity preservation during acquisitions
- Subordinate to senior debt without diluting ownership
- Co-terminus with senior lender terms
- Preserves sponsor equity and boosts IRR
- Highly customizable payment terms (Cash pay vs. PIK)
General Program & Underwriting Guidelines
Establish clear baseline parameters across your institutional and private bridge/mezzanine funding network:
Core Placement Guidelines
Loan Size / Capital Need:
$1,000,000 to $50,000,000+ across middle-market and institutional property types.
Loan-to-Value (LTV) / Loan-to-Cost (LTC):
Loan Terms:
12 to 36 months with flexible extension options.
Closing Timeline:
Rapid execution in as little as 14 business days from initial underwrite.
Recourse Options:
Recourse and Non-Recourse debt with standard bad-boy carve-outs.
Frequently Asked Questions
Common questions about our Bridge and Mezzanine loan program.
What is the difference between a bridge loan and a mezzanine loan?
A bridge loan provides short-term financing for commercial real estate acquisitions, refinancing, renovations, or other transitional needs. A mezzanine loan provides additional capital above the senior mortgage, helping investors fill a funding gap without relying entirely on additional equity. RCA Capital helps structure either option based on the property’s needs and the transaction’s capital stack.
What types of properties and projects qualify for bridge and mezzanine financing?
RCA Capital works with a range of commercial real estate asset types, including multifamily, mixed-use, industrial, retail, and other investment properties. Financing may be used for acquisitions, lease-up, repositioning, recapitalization, and other transitional business plans, subject to underwriting and lender approval.
How much can I borrow, and what leverage is available?
RCA Capital’s bridge and mezzanine program starts at $1 million. Qualified transactions may be eligible for up to 75% loan-to-cost (LTC) in top markets, depending on the property, project budget, and financing structure. Combined leverage involving senior and mezzanine financing may be considered for eligible transactions.
What loan terms and closing timelines are available?
The program offers short-term financing with terms of up to three years, with potential extension options depending on the loan structure. RCA Capital’s attached guidelines indicate that some transactions may close in as little as 14 business days from initial underwriting, subject to due diligence, appraisal, borrower requirements, and lender approval.
Are bridge and mezzanine loans available with or without personal recourse?
Yes. RCA Capital’s program includes both recourse and non-recourse financing options. Availability depends on the transaction, property, borrower profile, lender requirements, and final loan structure. Non-recourse loans may still include standard carve-outs for specified events or borrower misconduct.
Bridge and Mezzanine Financing Built Around Your Deal
RCA Capital structures bridge and mezzanine financing to help you navigate time-sensitive opportunities and complex capital needs.
Free consultation. No obligation.
