Bridge-to-Permanent Financing

Montgomery Lending: Bridge-to-Permanent Funding

Fast, Flexible Financing for Long-Term Success

What Is Bridge-to-Permanent Funding?

Bridge-to-permanent loans provide short-term financing that seamlessly transitions into long-term funding, ensuring stability and flexibility for borrowers.

Why Choose Montgomery Lending?

Speed & Efficiency – Fast approvals and funding turnaround.

Tailored Loan Solutions – Customized terms to suit your investment goals.

Seamless Transition – Avoid refinancing delays with an automatic long-term conversion.

Lower Point Fees – Competitive pricing to accommodate two separate closings.

Loan Features

Short-term bridge financing

Competitive interest rates

Lower point fees to minimize closing costs

Smooth transition to permanent financing

Flexible repayment options

Use Cases

Here’s how borrowers can leverage Bridge-to-Permanent Funding:

Real Estate Investors – Secure a bridge loan to quickly acquire a property, then transition to permanent financing for long-term rental income.

Fix-and-Flip Projects – Use bridge funding for renovations, then refinance into a permanent loan once the property is stabilized.

Business Expansion – Quickly finance a new office or storefront with a bridge loan, then shift to permanent financing for sustainable growth.

Development Projects – Cover initial construction costs with short-term funding before transitioning into a long-term loan solution.

Property Acquisition for Rentals – Secure competitive financing to purchase multi-family units, minimizing upfront costs while ensuring long-term affordability.

Solutions for Bankruptcy or Balloon Payments

If a borrower is facing bankruptcy (BK) or has a balloon payment coming due, bridge-to-permanent funding can provide a strategic solution:

Bridge Loans for Bankruptcy Situations

Debtor-in-Possession (DIP) Financing – Some lenders offer DIP bridge loans to help businesses restructure during bankruptcy.

Rescue Capital – Short-term funding can prevent foreclosure or liquidation while securing long-term financing.

Collateral-Based Lending – Some bridge lenders focus on asset value rather than credit history, making funding accessible despite financial distress.

Handling Balloon Payments

Refinancing with a Bridge Loan – If a balloon payment is due and permanent financing isn’t secured, a bridge loan can extend the timeline.

Loan Modification Options – Some lenders allow restructuring to avoid default.

Alternative Lenders – Private lenders specialize in short-term solutions for borrowers facing balloon maturities.

How It Works

1️⃣Apply for Bridge Financing – Quick approvals to secure funding.

2️⃣Use Bridge Loan to Acquire Property – Immediate liquidity to close deals.

3️⃣Transition to Permanent Loan – Convert smoothly without disruptions.

4️⃣Long-Term Stability – Lock in sustainable financing with minimized costs.

Get Started Today

Contact Montgomery Lending to explore bridge-to-permanent financing options designed to streamline your investment strategy.