Owner Occupied Bridge Loans Nationwide, $150K to $100M
⚡ Close in Weeks, Not MonthsI’m Kevin Kermeen, a nationwide commercial loan broker and a real business owner, not a banker. I arrange owner occupied bridge loans for business owners who need to move now … buy the building you operate from before the seller walks, beat a maturing loan, or win a deal on a deadline. Then I refinance you into a low-rate SBA takeout once the dust settles.
$2.6M Building Bought in 12 Days, Then Refinanced Into a 25-Year SBA Fixed
A manufacturer’s landlord put the building they operated from up for sale and gave them a hard deadline. Lose it, and they would be hunting for a new home for the whole operation. Their bank’s SBA process needed 60-plus days they did not have.
They called me. I closed an owner occupied bridge loan in 12 days, faster than my typical 15 to 30 day range, so they bought the building on time, then I lined up the SBA 504 takeout into a 25-year fixed once the dust settled. Speed when it counted, cheap money for the long haul.
That is the difference between one rigid bank box and a 75-lender network. Don’t Beg the Bank! Get funded instead.
Owner Occupied Bridge Loans Are Speed Now, Cheap Money Later
An owner occupied bridge loan is not your forever loan, and I will never pretend it is. It is a tool to win the deal on your timeline, and owner occupied bridge loans are built for exactly that. You pay a premium for speed, then I refinance you into permanent financing once the clock is no longer against you. Here is the honest two-step play I run for owners who need to move fast.
Step 1 … Bridge Now
- ⚡Close in 15 to 30 days, far faster than an SBA or bank loan.
- ⚡Asset-based underwriting focused on the property and your exit.
- ⚡Secure the building, beat the deadline, win the deal.
- ⚡Higher rate and interest-only, by design, for a short hold.
Step 2 … SBA or Permanent Takeout
- ✔Refinance the bridge into a low-rate, long-term loan.
- ✔SBA 504 can reach up to 90% financing for owner-users.
- ✔A 25-year fixed payment that never balloons.
- ✔I plan the exit before you ever sign the bridge.
This is why owner occupied bridge loans matter right now: a wave of commercial loans is maturing, sellers move fast, and the businesses that own their space cannot afford to wait months for an approval, so owner occupied bridge loans fill the gap. I plan the permanent exit before the bridge ever funds, so you are never stuck holding expensive short-term debt with no way out.
Owner Occupied Bridge Loans for Time-Sensitive Deals
When the clock is the problem, owner occupied bridge loans are the answer. Here is how I structure owner occupied bridge loans across the most common time-sensitive scenarios, each with a planned exit.
Buy Your Building Fast With Owner Occupied Bridge Loans
Your landlord is selling, or a perfect building hit the market with a tight deadline. Bridge to buy now, refinance into SBA once you own it.
Maturing Loan Payoff
Your current loan is ballooning and the bank’s renewal is stuck in committee. A bridge pays it off now and buys time for a clean permanent refinance.
SBA Pending, Need to Close
Your SBA loan is approved but weeks from funding and the seller will not wait. Bridge in to close on time, then let the SBA take it out.
Partner or Estate Buyout
You need to buy out a partner or settle an estate on the property your business occupies. A bridge funds the buyout fast, then refinance long-term.
Renovate Then Refinance
The building needs work before a permanent lender will fund it. Bridge to acquire and renovate, stabilize, then refinance into long-term debt.
Fast Cash-Out Bridge
You need capital from a building you already own and cannot wait for a slow refinance. A bridge pulls equity now, with a permanent refinance to follow.
A bridge is one of many tools I use. Explore my full commercial real estate loans … office building loans, office condo loans, warehouse and industrial, flex building loans and construction and development. The usual exit is an SBA 504 or 7a loan. Need working capital for the business too? See my small business loans.
Tell Me About Your DeadlineOwner Occupied Bridge Loan Guidelines Most Brokers Never Show You
Transparency builds trust, especially on bridge loans where the cost of speed is real. Below is a practical summary of the owner occupied bridge loans I actually place. I am not a bank and I do not push one-size paper … I work a private network of bridge, hard-money and mezzanine lenders, with the permanent exit planned up front. Final terms depend on the property, your exit and lender underwriting.
| Program | Typical LTV | Typical Term | Best For |
|---|---|---|---|
| Acquisition Bridge | 60% to 75% | 6 to 60 mo, I/O | Buying your building on a deadline |
| Maturity Bridge | Up to 70% | 6 to 36 mo, I/O | Paying off a ballooning loan |
| Renovation Bridge | Up to 70% | 12 to 60 mo, I/O | Fix the building, then refinance |
| Cash-Out Bridge | Up to 70% | 6 to 60 mo, I/O | Fast equity from a building you own |
| SBA Takeout (Exit) | Up to 90% | 25-yr fixed | The permanent refinance of the bridge |
Swipe to see all columns →
Owner occupied bridge loans are short-term, interest-only and priced at a premium to permanent debt because you are paying for speed and asset-based underwriting. They are sized on the property and a clear exit, typically 60% to 75% LTV, for terms of 6 to 60 months. The SBA takeout row is the permanent refinance, not the bridge itself. Final leverage, term, rate and exit depend on the property, sponsor strength and lender underwriting. This is not a commitment to lend.
Close in 15 to 30 Days. Exit Planned From Day One.
When the clock is the enemy, every day matters. Here is how I move your bridge while planning the permanent exit at the same time.
Send the Deadline
The property, the deadline, the loan purpose and your exit idea. The faster I know, the faster I move.
Term Sheet Fast
I match your owner occupied bridge loans file to a lender built for speed, and sketch the permanent takeout.
Close in 15 to 30 Days
Asset-based underwriting and a clean file get you to the table while a slower buyer is still waiting.
Refinance the Exit
Once you own it, I take you out of the bridge into a low-rate SBA or permanent loan for the long haul.
Who These Owner Occupied Bridge Loans Are, and Are NOT, For
Owner occupied bridge loans are a powerful tool used wrong they get expensive, so I qualify honestly. If you’re on the left, call me today. If you’re on the right, I’ll point you to the cheaper option.
✅ This IS for you if…
- ✔You need to close fast on a building your business will occupy.
- ✔You have a clear exit … an SBA loan, a refinance or a sale.
- ✔A deadline, maturing loan or pending SBA is forcing your hand.
- ✔You have meaningful equity or down payment in the deal.
- ✔The deal is $150K or larger and the property is worth $150K or more.
🚫 This is NOT for you if…
- ✕You have no deadline … a permanent loan will cost you far less.
- ✕You have no realistic exit to refinance or pay off the bridge.
- ✕You want the lowest possible rate above all … that is not a bridge.
- ✕You want 100% financing with no equity in the deal.
- ✕You need under $150K … a smaller program fits better.
Tell Me About Your Deadline
Sixty-second owner occupied bridge loans application. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your owner occupied bridge loans request landed in my inbox. With a deadline on the line I move fast, and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Owner Occupied Bridge Loans From My Desk
A snapshot of the owner occupied bridge loans I close. Every deal is different, yours starts with a conversation.
$2.6M · Manufacturer, OH
Closed in 12 days to beat a seller deadline, then refinanced into a 25-year SBA 504 fixed.
$1.4M · Maturity Bridge, AZ
Paid off a ballooning loan in two weeks, buying time for a clean permanent refinance.
$900K · Partner Buyout, TX
Bridge funded a partner buyout on the building the business occupies, with an SBA takeout to follow.
How I Structure Owner Occupied Bridge Loans That Actually Close
Most brokers sell you a bridge and forget the exit. I structure owner occupied bridge loans around the deadline and the takeout at the same time, so you are never stuck holding expensive short-term debt with no way out. The exit plan is the most important part of a bridge, and it is where I earn my keep.
Owner occupied bridge loans trade cost for speed. It closes in 15 to 30 days because the lender underwrites the asset and your exit, not a mountain of paperwork. You pay a higher, interest-only rate during a short hold, and the entire balance comes due when the exit is executed. That is exactly the right tool when a seller will not wait, a loan is maturing, or your SBA approval is weeks from funding and the deal will be gone by then. Used right, an owner occupied bridge loan saves the deal. Used without an exit, it becomes a trap, which is why I plan the takeout first.
Here is the honest difference. A bank runs your purchase through one slow box and tells you to come back in 60 to 90 days, by which time the building is gone. I work a private network of bridge, hard-money and mezzanine lenders who can move in weeks, not months, and I line up the permanent SBA or conventional refinance before you ever sign. For an owner-user, that permanent exit is usually an SBA 504, which can reach up to 90% financing on a 25-year fixed once you own the building.
So the strategy is simple: bridge to win the deal now, refinance into cheap, long-term money later. I will tell you straight whether a bridge is the right call or whether you should wait for a permanent loan, because the wrong owner occupied bridge loan costs you money and the right one saves the deal. Every plan is built around your deadline and your exit, not a one-size box. I finance the full range of property types, from multi-family apartment loans to retail and industrial. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
How fast can owner occupied bridge loans close?
Are bridge loans more expensive than a regular loan?
What is the exit on an owner occupied bridge loan?
Can I bridge now and refinance into an SBA loan later?
How much can I borrow on an owner occupied bridge loan?
What does it cost to work with you?
A Bridge Loan Advisor Who Plans the Exit Before You Sign
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, and a real business owner, not a banker. I arrange owner occupied bridge loans for owners who must move fast when the clock is the enemy, and I review every owner occupied bridge loans file personally. I’m not a bank and I don’t push one-size paper … I shop your deal across bridge, hard-money and mezzanine lenders for speed, then line up the SBA or permanent takeout so you never get stuck. For the long-term exit, see the U.S. Small Business Administration 504 loan program and the Federal Reserve interest rate data for independent context.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm. I fund owner occupied bridge loans when you actually need it … close in 15 to 30 days, $150K to $100M, with the low-rate SBA takeout planned from day one, and a same-day callback from a broker who has owned real estate himself.
Loan amounts, leverage, terms and timelines shown are typical ranges, not guarantees. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed to you before you commit, and is separate from any compensation to me. Owner occupied bridge loans are short-term, interest-only and priced at a premium to permanent financing; they are sized on the property and a clear exit, typically 60% to 75% LTV for terms of 6 to 60 months. Any SBA takeout figure reflects the permanent refinance that follows the bridge and is subject to SBA eligibility and the business occupying at least 51% of the property. Final leverage, term, rate and exit depend on the property, sponsor strength and lender underwriting. This is not a commitment to lend.