Opportunistic Bridge Loan Program

Providing financing solutions

Red Oak is debt fund sponsor that specializes in providing short-term, structured financing solutions on commercial real estate projects in primary, secondary and select tertiary markets. Our experienced team of capital markets and lending experts applies 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 a higher interest rate and exit fees.

Why consider us This Program?
  • You’re seeking short-term funding to rehabilitate, reposition or stabilize an asset

  • You need financing with an equity component provided by the lender

  • You need flexible, non-permanent capital to implement a conversion, expansion or renovation of a core commercial real estate asset

Why choose Red Oak?

Red Oak can, depending on the upside potential, provide a higher LTC (providing 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, Office, Medical Office, Self-Storage, Manufactured Housing

Loan Amount

$1 Million to $15 Million

Loan Purpose

Acquisition, Refinance, Conversion, Rehabilitation, Situational, Stabilization

Property Location

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


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

Interest Rate

Starting at 10.99% fixed rate (interest only)

Loan Term

1 to 3 Years (fully extended)


Periods of 6 to 12 months, available at market extension fees depending on business plan

Origination Fees

2 to 4 points to lender

Exit Fees

Exit fees based on required yield (on higher LTC transactions)

Lien Position

Senior Position (secondary financing prohibited)

Funding Structure 

Full funding with holdback


Full/Limited & Non-Recourse

Timing to Close

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

Debt Service Reserve

Below 1.00X DSCR acceptable if supported by a debt service reserve (cash-flowing assets preferred)

Prepayment Penalty 

Minimum interest, generally half of initial loan term

TI/LC and
Future Advances

Future funding facility toward tenant improvements, leasing commissions, rehabilitation and conversion costs


Expense deposit adequate to cover costs for 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.

5925 Carnegie Boulevard
Suite 110
Charlotte, NC 28209
[email protected]