Opportunistic Bridge Loan Program

Providing financing solutions

Red Oak is an investor-driven commercial debt fund sponsor that provides short-term financing solutions on commercial real estate assets nationally. Our experienced team of capital markets and lending experts are adept at applying institutional-caliber underwriting standards to small-balance sheet loans.

Opportunistic Bridge Loan Program

Program Description

Higher-leverage, fixed-rate bridge lending program for commercial real estate assets that have a substantial value-creation component. The loan includes a small equity component in the form of a higher LTC in exchange for exit fees and a higher interest rate.

Why consider us?
  • You need additional financing to complete a property acquisition or development project

  • You're seeking short-term funding to rehabilitate/reposition an asset

  • You need flexible, non-permanent capital to implement an expansion, renovations or conversion on a core commercial real estate asset
Why choose us?

Red Oak can, depending on the upside potential, provide a higher loan-to-cost (thereby equity
the borrower does not have to raise) than many other small-balance bridge lenders in the market.

financing parameters

Property Types

Multifamily, Industrial, Retail, Mixed Use, Hospitality, Medical Office, Self Storage, Manufactured Housing

Loan Amount

$1 Million to $15 Million

Loan Purpose

Acquisition, Stabilization, Refinance, Conversion, Rehabilitation, Situational 

Asset Location

Primary, secondary & select tertiary markets with a minimum population of 50,000 to 100,000


Up to 75% LTV (based on stabilized value)
Up to 90% LTC (based on transaction underwriting)

Interest Rate

Starting at 9.99% fixed rate (interest only)

Loan Term

1 to 3 Years (fully extended)


Dependent on business plan

Origination &
Exit Fees

3 to 5 Points to lender, interest accrual
Exit fees based on required yield (on higher LTC transactions)

Lien Position

Senior Position (secondary financing prohibited)

CapEx Holdack

Full funding with holdback


Full/Limited Recourse

Timing to Close

30-45 days from acceptance of LOI and receipt of deposits


Interest only, more structure/sweeps may be required on a case-by-case basis

Debt Service Reserve

Below 1.0X DSCR acceptable if supported by a debt service reserve, cash-flowing assets preferred

Minimum Interest

Minimum interest pre-payment penalty, generally half of initial term

TI/LC/Rehab Facility

Future funding facility toward tenant improvements/leasing commissions and rehab costs


Expense deposit adequate to cover third-party reports, legal fees and other customary due diligence or underwriting costs


To request information about our company, please complete the form and someone will be in touch shortly.

625 Kenmoor Avenue SE, Suite 200
Grand Rapids, MI 49546
[email protected]