Multifamily Bridge Loan

When opportunity moves fast, your financing has to move faster. QuadBlock Capital provides multifamily bridge loans from $5 million to $30 million for sponsors acquiring, repositioning, or refinancing apartment buildings nationwide. Whether you’re closing on a 50-unit garden-style complex or a 200-unit mid-rise, our bridge lending platform is built to deliver speed, certainty, and flexibility that institutional lenders can’t match.

How Our Multifamily Bridge Loans Work

A multifamily bridge loan is short-term financing designed to “bridge” the gap between acquisition and permanent debt. Sponsors use bridge loans to acquire apartment buildings quickly, fund value-add renovations, or refinance out of maturing debt while stabilizing occupancy. Unlike agency lenders or CMBS shops that require 90-day timelines and extensive documentation, QuadBlock delivers a Letter of Intent within 24 to 48 hours and can close in as few as 10 to 20 days.

Our apartment bridge loan program is purpose-built for the lower middle market — the $5M to $30M space where community banks lack the sophistication and Wall Street firms lack the interest. QuadBlock fills that gap with institutional-quality execution and entrepreneurial speed.

Loan Terms

• Loan Amount: $5,000,000 – $30,000,000
• Term: 1–3 years with extension options
• LTV: Up to 80%
• Structure: Interest-only payments
• LOI: 24–48 hours
• Close: 10–20 business days
• Geography: Nationwide (excluding CA, AZ, NV, UT, OR, ND, SD)

Who Uses a Multifamily Bridge Loan?

• Value-Add Repositioning: A sponsor acquires a 120-unit apartment complex below replacement cost in a secondary market. The property is 78% occupied with below-market rents. A bridge loan funds the acquisition and unit renovations, allowing the sponsor to stabilize and refinance into permanent debt within 24 months.
• Time-Sensitive Acquisition: A seller accepts a 15-day close timeline on an off-market 80-unit deal. Traditional lenders need 60+ days. QuadBlock’s multifamily acquisition financing closes in 12 days, securing the deal before competing offers surface.
• Maturing Debt Refinance: An existing bridge loan is maturing but the property hasn’t hit agency stabilization thresholds. QuadBlock provides a new bridge to give the sponsor runway to complete lease-up before placing long-term permanent financing.

Why QuadBlock Capital for Multifamily Bridge Lending

QuadBlock Capital understands the lower middle market because it’s all we do. We don’t dabble in multifamily — we specialize in it. Our team evaluates the sponsor, the business plan, and the asset with the same rigor as an institutional shop, but we move with the urgency of a principal lender. We’ve closed multifamily bridge loans across multiple states, and our repeat borrowers come back because we deliver what we promise — fast LOIs, transparent terms, and closings that don’t slip.

If you’re a sponsor with a strong business plan and a value-add multifamily loan opportunity, we want to hear about it.

Market Context: Where Bridge Lending Fits

QuadBlock recently structured a multifamily bridge loan in the $5 million to $30 million range for a sponsor acquiring a 120-unit apartment complex below replacement cost in a secondary market. This type of apartment building acquisition loan is increasingly common as sponsors pursue multifamily refinance below replacement cost strategies — buying existing assets for less than it would cost to build them new. For sponsors pursuing value-add multifamily financing, bridge debt provides the flexibility to execute renovations and lease-up without the constraints of permanent agency lending. Even a small apartment complex loan under $10 million can benefit from QuadBlock’s institutional-quality execution — we apply the same speed and certainty to a $6 million garden-style deal as we do to a $25 million mid-rise. Our commercial bridge loan 10 day close capability means you won’t lose a deal to a slower lender.

Frequently Asked Questions

What is a multifamily bridge loan?

A multifamily bridge loan is short-term financing — typically 1 to 3 years — used to acquire, renovate, or refinance apartment buildings before transitioning to permanent debt. Bridge loans are interest-only and designed for properties that don’t yet qualify for long-term agency or CMBS financing due to occupancy, condition, or seasoning requirements.

What LTV can I get on a multifamily bridge loan?

QuadBlock offers up to 80% loan-to-value on multifamily bridge loans, depending on the property, market, and sponsor experience. Higher leverage may be available for strong sponsors with a proven track record in similar assets.

How fast can a multifamily bridge loan close?

QuadBlock issues Letters of Intent within 24 to 48 hours and can close multifamily bridge loans in 10 to 20 business days. Speed depends on appraisal, title, and environmental timelines, but we structure our process to eliminate lender-side delays.

What’s the difference between a bridge loan and agency debt?

Agency debt (Fannie Mae, Freddie Mac) offers lower rates and longer terms but requires stabilized occupancy (typically 90%+), extensive documentation, and 60 to 90 day timelines. Bridge loans are faster, more flexible, and designed for transitional properties that aren’t yet agency-eligible. Most sponsors use a bridge loan first, then refinance into agency debt once the property is stabilized.