Commercial Loans
Short-term capital designed to bridge timing gaps and unlock opportunity.
Flexible Bridge Financing for Commercial Assets
Looking to stabilize or grow your commercial portfolio? Our Commercial Loans cover up
to 85% of purchase price with 30-year terms, giving you the security and capital you need
to expand.
Why investors love this program:
- Fund up to 85% of purchase price – maximize leverage.
- 30-year terms – long-term stability for your cash flow.
- Flexible property types – office, retail, industrial, and more.
Stabilize your assets, grow your portfolio, and unlock long-term opportunities.
Investment Properties Only
| Loan Amount | $100,000 to $10,000,000 |
| Minimum Credit | 660 |
| Rates | 5.99% |
| Points | 0–2% |
| Payment | Monthly, Interest Only, No Prepay Penalty |
| Loan to Cost (LTC) | Up to 80% |
| Refinance Loan to Value (LTV) | Up to 80% |
| Cash Out Refinance Loan to Value (LTV) | Up to 70% |
| Term | 25–30 Years |
Commercial Loans Details
Vision First Capital focuses on commercial lending designed to support
diverse real estate investment strategies, offering funding across a
broad range of commercial property types, including but not limited to:
- Multifamily
- Mixed-Use (primarily residential)
- Mixed-Use (primarily commercial)
- Churches
- Retail
- Office
- Light Industrial
- Mobile Home Park
- Warehouse
- Self-Storage
- Automotive*
- Restaurant*
- Daycare Center*
Due to the complexity of commercial assets, additional documentation
may be required to properly evaluate the property and loan structure.
Once you apply, our team will guide you through the process and
provide access to our secure document portal.
Additional requirements may include:
- Operating Statements (Trailing 12 months, if applicable) Rent Roll
- Current Lease Agreements
- Business Financials (if owner-occupied)
- Entity Organizational Documents
- Environmental Reports (Phase I, if required)
- Property Condition Report (if applicable)
- Existing Loan Payoff Statement (for refinances)
Vision First Capital—commercial financing built for clarity, stability, and
long-term growth.
How It Works
A clear path to funding, built around speed, structure, and trust.
Share Your Vision
Tell us about your deal, goals, and timeline.
Review & Structure
We assess options and structure the right financing.
Match With Capital
We connect you to the best-fit lender or investor.
Approve & Close
Move through approval and close efficiently.
Frequently Asked Questions
What is a Commercial Bridge loan?
A Commercial Bridge loan is a short-term financing solution used to bridge gaps between acquisition, stabilization, or permanent financing.
What property types are eligible?
Multi-family, office, retail, industrial, hospitality, and special purpose properties may qualify.
How much can I borrow?
Loan amounts range from $100K to $30MM, depending on the deal and underwriting.
What documentation is required?
Options include full documentation, lite documentation, or no documentation, based on the transaction.
What are the interest rates?
Rates start from 4.75%, with final pricing based on asset type, leverage, and structure.
What DSCR is required?
Most transactions require a minimum 1.15 DSCR.
Who is this loan best suited for?
This program is ideal for investors and owners working with transitional assets or time-sensitive opportunities.
How quickly can a Commercial Bridge loan close?
Closing timelines vary by deal, but bridge loans are designed for fast execution.