Fast, short-term capital to keep your deal moving.
Triple Queens provides private bridge financing for commercial real estate investors, developers, and business owners across British Columbia, Alberta, Ontario, and Quebec. A commercial bridge loan is short-term, interest-only financing that “bridges” the gap between an immediate capital need and a longer-term solution — the sale of a property, a refinance into conventional debt, or the completion of a repositioning plan. When timing matters more than anything else, our bridge loans let you move now and arrange permanent financing later.
What Is a Commercial Bridge Loan?
A commercial bridge loan is a short-term mortgage — typically 6 to 24 months — secured against commercial or investment real estate. Borrowers use bridge financing to act quickly on time-sensitive opportunities that banks are too slow or too rigid to fund. Because bridge loans are asset-based and underwritten on the strength of the property and a clear exit strategy, they can close in days rather than months. At Triple Queens, every bridge loan is structured around two questions: what is the property worth today, and how will the loan be repaid? Get those right, and we can fund quickly and confidently.
When to Use Bridge Financing
- Closing on a time-sensitive acquisition before long-term financing is in place
- Refinancing a maturing loan or avoiding a power of sale or foreclosure
- Funding renovations, repositioning, or lease-up of an underperforming asset
- Buying out a partner, settling an estate, or resolving a tax or creditor issue
- Unlocking equity from one property to fund the purchase of another
- Bridging to a construction loan or to conventional, CMHC, or bank takeout financing
Key Features & Terms
- Loan amounts from $2 million and up
- Terms from 6 to 24 months
- Interest-only payments to preserve cash flow
- First and second mortgages considered
- Loan-to-value typically up to 75% of as-is or as-complete value
- Funding on commercial, multi-residential, industrial, retail, office, and mixed-use property
- Closings in as little as 5 to 10 business days
- Rates priced to the risk, leverage, and exit of each deal — request a quote
Who Bridge Financing Is For
- Real estate investors acquiring assets under tight timelines
- Developers bridging to construction or permanent financing
- Owners facing a loan maturity or a lender exit
- Borrowers with strong real estate but a story conventional banks won’t fund
How It Works
- Submit your deal — share the property, the amount you need, and your exit plan
- Receive a term sheet — often within 48 hours
- Underwriting & appraisal — we confirm value and review your exit strategy
- Funding — close in days, not months, with interest-only payments
Why Triple Queens
- Private-equity-grade underwriting and deep commercial real estate expertise
- Speed — indicative terms in 48 hours and funding in days
- Flexibility — we lend on the asset and the exit, not just credit scores
- Relationship-focused — we fund repeat borrowers and broker partners who value reliability
“We were 10 days from losing our deposit on a $6M retail plaza when our bank backed out. Triple Queens funded a bridge loan in a week and we closed on time.”
Daniel Roy — Principal, Rivermark Investments
Ottawa, ON
Frequently Asked Questions
How fast can a bridge loan close?
Because bridge loans are underwritten on the property and your exit rather than lengthy bank committees, we can often issue a term sheet within 48 hours and fund in as little as 5 to 10 business days once the appraisal and basic due diligence are complete.
What can I use a commercial bridge loan for?
Common uses include closing a time-sensitive purchase, refinancing a maturing or defaulted loan, funding renovations or lease-up, buying out a partner, pulling equity out of one property to buy another, and bridging to construction or long-term financing.
How much can I borrow?
Bridge loans at Triple Queens start at $2 million, with loan-to-value typically up to 75% of the as-is or as-complete value of the property. The exact amount depends on the asset, your exit strategy, and whether the loan is a first or second mortgage.
What are typical bridge loan terms and rates?
Terms generally run 6 to 24 months on an interest-only basis. Rates are priced to the risk, leverage, and exit of each deal rather than a one-size-fits-all sheet — submit your deal and we’ll provide a clear quote.
Do I need perfect credit to qualify?
No. Bridge financing is asset-based. We focus on the value of the real estate and the strength and credibility of your exit plan, so we can fund borrowers with credit or income stories that banks decline.
What is an “exit strategy” and why does it matter?
Your exit strategy is how the bridge loan gets repaid — typically a sale, a refinance into conventional debt, or completion of a project. A clear, realistic exit is the single most important factor in a bridge loan approval because it defines how and when we are repaid.
Can I get a second-mortgage bridge loan?
Yes. We consider both first and second mortgage bridge positions, which can let you raise additional capital without disturbing favourable existing senior financing.
What types of property do you lend on?
We finance commercial, multi-residential, industrial, retail, office, and mixed-use properties across British Columbia, Alberta, Ontario, and Quebec.
Get Started
Have a time-sensitive deal that needs to close? Submit your scenario, request a term sheet, or speak with a lending advisor about bridge financing today. Contact us to apply »