Sterling Capital Bridge Loan

Last updated: March 12, 2025

Disclaimer: This article is by OfferMarket, a real estate investing platform with no affiliation to Sterling Capital. Our goal is to educate investors about bridge loans and available options.

When you need quick, reliable financing to bridge the gap between immediate needs and long-term solutions, a Sterling Capital bridge loan could be the answer. Designed for real estate owners, developers, and investors, these loans provide flexible capital solutions tailored to your unique goals. With decades of experience in the industry, Sterling Capital ensures speed and certainty in execution, helping you move forward with confidence.

Whether you're working on construction, development, or property upgrades, Sterling Capital’s bridge loans offer a strategic way to secure funding in select jurisdictions across the Americas, Europe, and the Caribbean. Their prudent approach to lending, backed by key parameters, ensures you get the support you need without unnecessary delays. If you're looking to improve your property’s infrastructure or rating, Sterling Capital’s expertise and tailored solutions might just be the perfect fit for your next project.

Bridge and DSCR Loans from OfferMarket

What is a bridge loan in real estate investing?

A bridge loan in real estate investing is a short-term financing solution designed to provide immediate capital for property-related transactions. It acts as a temporary funding source, bridging the gap between the purchase of a new property and the sale of an existing one. These loans are ideal for investors who require quick access to funds for time-sensitive opportunities, such as auctions, property upgrades, or development projects.

Bridge loans typically have terms ranging from 1 day to 24 months, with interest rates currently in the 10 - 16% range per year. They can be secured against residential, commercial, or development properties. Common use cases include purchasing below-market-value properties and funding renovations for unmortgageable properties.

Key features of bridge loans include:

• Flexible terms: Tailored to meet specific project timelines and financial needs.
• Quick funding: Funds are often available within days, making them suitable for urgent transactions.
• High LTV ratios: Loan-to-value ratios can reach up to 100%, providing substantial leverage for investors. 70% to 90% LTV (loan to as-is value) is most common.
• Versatile use: Applicable for residential, commercial, and land development projects.

Bridge loans are particularly beneficial for real estate investors who need to act swiftly in competitive markets or secure properties requiring significant improvements before qualifying for long-term financing.

What is Sterling Capital?

Sterling Capital Funding specializes in providing flexible financing solutions for multifamily properties. Their offerings include small balance loan bridge programs, catering to nationwide multifamily projects such as value-add, lease-ups, and rehabs, with financing available up to 80% loan-to-cost (LTC). Additionally, they offer large bridge lending programs, starting at $10 million through affiliate lenders, applicable across various asset classes.

The company's loan process comprises four key steps: intake, where initial financial and personal information is analyzed; due diligence, involving the collection of necessary documents, including appraisals; approval, facilitated by an in-house credit team for expedited decisions; and closing, ensuring timely funding and a straightforward process.

Established in 1993, Sterling Capital Funding has a longstanding presence in the real estate industry, focusing on activities such as renting, buying, selling, and appraising real estate.

In summary, Sterling Capital Funding offers tailored financial solutions for multifamily property investors, emphasizing flexibility and efficiency throughout the lending process.

Bridge loans for 5+ unit multifamily

Bridge loans for 5+ unit multifamily properties provide a flexible financing solution for real estate investors and developers. These loans are designed to address the unique needs of multifamily projects, offering quick access to capital for acquisitions, renovations, or refinancing. With loan terms ranging from 1 day to 24 months and interest rates in line with current industry pricing, bridge loans are ideal for time-sensitive opportunities in competitive markets.

Key features of bridge loans for multifamily properties include:

• High loan-to-value (LTV) ratios: Up to 80% of your cost basis, enabling you to maximize your borrowing capacity.
• Flexible terms: Tailored repayment schedules to align with your project timeline.
• Quick funding: Expedited approval and disbursement processes to meet urgent financial needs.
• Versatile use: Funds can be used for property acquisitions, renovations, or refinancing existing debt.

Bridge loans are particularly beneficial for:

• Acquiring multifamily properties at below-market value.
• Financing properties requiring significant renovations or upgrades.
• Securing funds for auction purchases or time-sensitive transactions.
• Refinancing existing debt to improve cash flow or property ratings.

With competitive rates and flexible terms, bridge loans for 5+ unit multifamily properties provide a reliable financing option for investors looking to capitalize on opportunities in the multifamily real estate market.

Small balance bridge loan ($1M to $10M)

Small balance bridge loans, ranging from $1M to $10M, provide a strategic financing solution for real estate investors and developers targeting mid-sized projects. These loans are designed to meet the needs of those requiring immediate capital for acquisitions, renovations, or refinancing, without the complexities of larger-scale financing. Sterling Capital offers tailored solutions with competitive terms, ensuring quick access to funds for time-sensitive opportunities.

Key features of small balance bridge loans

• Flexible loan amounts: Financing options range from $1M to $10M, catering to mid-sized real estate projects.
• High LTC ratios: Loan-to-cost ratios of up to 80% enable you to maximize borrowing capacity.
• Quick funding: Expedited approval processes ensure funds are available within days, not weeks.
• Versatile use of funds: Use the loan for property acquisitions, renovations, refinancing, or other investment needs.

Ideal use cases for small balance bridge loans

• Acquiring below-market properties: Secure funds quickly to purchase undervalued properties.
• Renovating existing assets: Finance significant upgrades to enhance property value and cash flow.
• Refinancing existing debt: Improve cash flow or property ratings by restructuring current debt.
• Auction purchases: Access immediate capital to compete in time-sensitive property auctions.

Benefits of Sterling Capital’s small balance bridge loans

Sterling Capital’s small balance bridge loans combine speed, flexibility, and competitive terms to support your real estate goals. Their prudent lending approach ensures timely funding, while their expertise in mid-sized projects provides tailored solutions for your unique needs. Whether you’re acquiring, renovating, or refinancing, these loans offer a reliable financing option for investors in competitive markets.

How to apply

To explore small balance bridge loan options, enter your property details and financial profile into Sterling Capital’s loan request form. Their system matches you with the best lenders and programs instantly, ensuring a seamless application process.

Large bridge loans ($10M+)

Large bridge loans, starting at $10M, provide a robust financing solution for high-value real estate projects. These loans cater to investors and developers requiring substantial capital for acquisitions, large-scale renovations, or refinancing. Sterling Capital offers tailored solutions with competitive terms, ensuring quick access to funds for time-sensitive opportunities.

Key features of large bridge loans include:

• High loan-to-value (LTV) ratios: Up to 90% LTV, enabling significant leverage for your project.
• Flexible repayment schedules: Customized terms to align with your cash flow and project timeline.
• Expedited approval processes: Fast funding, often within days, to meet urgent financing needs.
• Versatile use of funds: Suitable for acquisitions, renovations, refinancing, or auction purchases.

Large bridge loans are ideal for:

• Acquiring high-value properties at below-market prices.
• Financing extensive renovations or property upgrades.
• Refinancing existing debt to improve cash flow or property ratings.
• Securing funds for auction purchases in competitive markets.

Sterling Capital’s large bridge loans combine speed, flexibility, and competitive rates, making them a reliable option for investors managing high-value real estate projects. To explore your financing options, enter your property details and financial profile into Sterling Capital’s loan request form for a seamless application process.

Stabilized bridge loan

A stabilized bridge loan provides financing for properties that have reached a stable income-generating stage but require short-term capital for refinancing, acquisitions, or upgrades. These loans are ideal for real estate investors and developers seeking to optimize cash flow or capitalize on market opportunities without disrupting property operations. Sterling Capital offers stabilized bridge loans with competitive terms, ensuring quick access to funds for time-sensitive transactions.

Key features of stabilized bridge loans include:

• High LTV ratios: Loan-to-value ratios of up to 90%, enabling borrowers to maximize financing.
• Flexible terms: Repayment schedules tailored to align with property cash flow or refinancing plans.
• Quick funding: Expedited approval processes, with funds disbursed in as little as 1 day.
• Versatile use: Funds can be used for property acquisitions, renovations, or refinancing existing debt.

Stabilized bridge loans are particularly beneficial for:

• Acquiring income-generating properties at below-market prices.
• Financing property upgrades to enhance value or ratings.
• Refinancing existing debt to improve cash flow or secure better terms.
• Securing funds for auction purchases in competitive markets.

Sterling Capital’s stabilized bridge loans combine speed, flexibility, and competitive rates, making them a reliable financing option for investors managing income-producing properties. To explore financing options, enter your property details and financial profile into Sterling Capital’s loan request form for a seamless application process.

Multifamily DSCR Loan (5-9 units)

A Multifamily DSCR Loan is a specialized financing solution designed for real estate investors and developers managing mid-sized multifamily properties. This loan type focuses on the Debt Service Coverage Ratio (DSCR), ensuring the property generates sufficient income to cover loan payments. Sterling Capital’s DSCR loans provide flexible terms and competitive rates, making them ideal for acquiring, renovating, or refinancing multifamily properties with 5 to 9 units.

Key Features of Multifamily DSCR Loans

• High Loan-to-Value (LTV) Ratios: Access up to 70% LTV, maximizing your borrowing capacity.
• Flexible Repayment Schedules: Tailored repayment plans align with your property’s cash flow.
• Expedited Approval Process: Quick funding ensures you capitalize on time-sensitive opportunities.
• Versatile Use of Funds: Finance acquisitions, renovations, or refinancing with ease.

Ideal Use Cases

• Acquiring Below-Market Properties: Secure financing for multifamily properties priced below market value.
• Renovating Existing Assets: Fund upgrades to enhance property value and rental income.
• Refinancing Existing Debt: Improve cash flow by refinancing high-interest loans.
• Auction Purchases: Access quick capital for competitive auction bids.

Benefits of Sterling Capital’s Multifamily DSCR Loans

• Competitive Interest Rates: subject to DSCR loan rate market pricing.
• Tailored Solutions: Customized loan structures meet the unique needs of 5-9 unit properties.
• Streamlined Application Process: Submit property details and financial profiles for quick approval.

Multifamily DSCR loans from Sterling Capital combine speed, flexibility, and competitive terms, making them a reliable financing option for investors managing mid-sized multifamily properties. To explore financing options, enter your property details and financial profile into Sterling Capital’s loan request form for a seamless application process.

Single Family DSCR Loans (1-4 units)

Single Family DSCR Loans (1-4 units) provide a tailored financing solution for real estate investors managing smaller multifamily or single-family rental properties. These loans focus on the Debt Service Coverage Ratio (DSCR), ensuring the property generates sufficient income to cover loan payments. Key features include high loan-to-value (LTV) ratios of up to 80%, flexible repayment schedules, expedited approval processes, and versatile use of funds for acquisitions, renovations, or refinancing.

Key Features of Single Family DSCR Loans

• High LTV Ratios: Access up to 80% of the property’s value, maximizing your borrowing capacity.
• Flexible Repayment: Choose repayment terms that align with your cash flow and investment strategy.
• Quick Funding: Benefit from expedited approval processes, ensuring timely access to capital.
• Versatile Use: Utilize funds for property acquisitions, renovations, refinancing, or auction purchases.

Ideal Use Cases

• Acquiring Below-Market Properties: Secure financing for properties priced below market value.
• Renovating Existing Assets: Fund upgrades to enhance property value and rental income.
• Refinancing Existing Debt: Improve cash flow by refinancing high-interest loans.
• Auction Purchases: Access quick capital for time-sensitive auction opportunities.

Application Process

To explore Single Family DSCR Loan options, enter your property details and financial profile into Sterling Capital’s loan request form. The streamlined process ensures a seamless application experience, allowing you to focus on growing your real estate portfolio.

Single Family DSCR Loans (1-4 units) combine speed, flexibility, and competitive terms, making them a reliable financing option for investors managing smaller rental properties. Whether you’re acquiring, renovating, or refinancing, these loans provide the capital needed to achieve your investment goals.

Small multifamily financing​ (5-9 unit)

Sterling Capital’s bridge loans for small multifamily properties (5-9 units) provide a tailored financing solution for real estate investors and developers. These loans address the unique needs of mid-sized multifamily projects, offering quick access to capital for acquisitions, renovations, or refinancing. Key features include high loan-to-value (LTV) ratios of up to 90%, flexible repayment schedules, expedited approval processes, and versatile use of funds.

Key features of small multifamily bridge loans

• High LTV ratios: Secure financing of up to 80% of the property’s value, maximizing your borrowing capacity.
• Flexible repayment schedules: Choose terms that align with your project timeline and cash flow needs.
• Quick funding: Expedited approval processes ensure access to capital within days, not weeks.
• Versatile use of funds: Finance acquisitions, renovations, refinancing, or auction purchases with ease.

Ideal use cases for small multifamily bridge loans

• Acquiring below-market properties: Capitalize on opportunities to purchase undervalued multifamily assets.
• Renovating existing assets: Upgrade properties to increase rental income or improve property ratings.
• Refinancing existing debt: Optimize cash flow by restructuring current loans with better terms.
• Auction purchases: Secure quick funding for time-sensitive auction opportunities.

Benefits of Sterling Capital’s small multifamily bridge loans

• Competitive interest rates: in line with market pricing, ensuring cost-effective financing.
• Tailored solutions: Loans are customized to meet the specific needs of 5-9 unit multifamily properties.
• Streamlined application process: Submit your property details and financial profile through Sterling Capital’s loan request form for a seamless experience.

Sterling Capital’s small multifamily bridge loans combine speed, flexibility, and competitive terms, making them a reliable financing option for investors managing mid-sized multifamily properties. Whether you’re acquiring, renovating, or refinancing, these loans provide the capital you need to achieve your real estate goals.

Construction loans for real estate investors

Construction loans provide a specialized financing solution for real estate investors and developers focused on building or renovating properties. These loans are designed to fund the costs associated with construction projects, including materials, labor, and permits, ensuring timely completion of developments. Unlike traditional mortgages, construction loans disburse funds in stages, aligning with project milestones to minimize risk and optimize cash flow.

Key features of construction loans

• Flexible disbursement schedules: Funds are released in phases, such as after completing the foundation, framing, or final inspections.
• High loan-to-value (LTV) ratios: LTC ratios of up to 90% are available, reducing the need for large upfront capital.
• Short-term financing: Loan terms typically range from 12 to 36 months, with options for interest-only payments during the construction phase.
• Versatile use of funds: Funds can cover land acquisition, construction costs, and soft costs like architectural fees or permits.

Ideal use cases for construction loans

• Ground-up construction: Financing new residential, commercial, or mixed-use developments.
• Property renovations: Funding significant upgrades to improve property value or functionality.
• Land development: Preparing raw land for future construction, including infrastructure like roads or utilities.
• Time-sensitive projects: Securing quick capital for projects with tight deadlines or competitive bidding opportunities.

Benefits for real estate investors

Construction loans offer tailored solutions for investors managing complex projects. They provide immediate access to capital, enabling you to start or continue development without delays. The phased disbursement structure ensures funds are used efficiently, reducing the risk of overspending. Additionally, these loans often include flexible repayment options, allowing you to transition to permanent financing once the project is complete.

How to apply for a construction loan

To secure a construction loan, you’ll need to provide detailed project plans, cost estimates, and a timeline. Lenders evaluate the feasibility of the project, your financial profile, and the property’s potential value upon completion. Sterling Capital’s streamlined application process ensures quick approval, making it easier to access the funds you need for your construction project. Enter your property details and financial profile into their loan request form to get started.

Permanent financing real estate​ investors

Permanent financing offers long-term capital solutions for real estate investors seeking stability and predictable repayment structures. Unlike bridge loans, which provide short-term funding, permanent financing is designed for properties that have stabilized income streams or are nearing completion. This type of financing is ideal for investors looking to secure long-term debt with fixed or variable interest rates, often spanning 10 to 35 years.

Key Features of Permanent Financing

• High Loan-to-Value (LTV) Ratios: Permanent financing typically offers LTV ratios of up to 90%, allowing investors to maximize their borrowing capacity.
• Flexible Repayment Options: Choose from interest-only periods, fixed-rate terms, or variable-rate structures tailored to your financial goals.
• Versatile Use of Funds: Use permanent financing for property acquisitions, refinancing existing debt, or funding large-scale renovations.
• Expedited Approval Processes: Many lenders streamline underwriting for stabilized properties, ensuring quicker access to capital.

Ideal Use Cases for Permanent Financing

• Acquiring Income-Generating Properties: Secure long-term financing for stabilized multifamily, commercial, or mixed-use properties.
• Refinancing Existing Debt: Lower interest rates or extend loan terms to improve cash flow and property profitability.
• Funding Property Upgrades: Use permanent financing to enhance property infrastructure, increasing its market value and rental income potential.

Benefits for Real Estate Investors

• Stable Cash Flow: Fixed repayment schedules help investors plan long-term budgets with confidence.
• Competitive Interest Rates: Permanent financing often offers lower rates compared to short-term loans, reducing overall borrowing costs.
• Long-Term Investment Growth: Secure financing aligns with the lifecycle of income-producing properties, supporting sustained portfolio growth.

How to Apply for Permanent Financing

To explore permanent financing options, provide detailed property information, financial statements, and income projections. Lenders evaluate factors such as property location, borrower creditworthiness, and debt service coverage ratios (DSCR) to determine eligibility. Sterling Capital’s streamlined application process ensures quick approvals, helping you secure the financing you need to achieve your real estate investment goals.

Mezzanine financing for real estate investors

Mezzanine financing serves as a strategic funding option for real estate investors seeking additional capital beyond traditional loans. It combines elements of debt and equity, providing a flexible solution to bridge the gap between senior debt and equity contributions. This financing method is particularly useful for large-scale projects requiring substantial capital, such as acquisitions, renovations, or refinancing.

Key features of mezzanine financing

• Flexible terms: Mezzanine financing offers customizable repayment schedules, often aligned with project milestones or cash flow projections.
• High loan-to-cost (LTC) ratios: Investors can access up to 90% of the total project cost, combining senior debt and mezzanine financing.
• Subordinated debt: Mezzanine loans are subordinate to senior debt but take priority over equity, balancing risk for lenders and borrowers.
• Equity kickers: Lenders may include equity participation or warrants, allowing them to share in the project’s upside potential.

Ideal use cases for mezzanine financing

• Acquiring high-value properties: Mezzanine financing helps investors secure funds for premium properties without diluting equity.
• Funding large-scale renovations: It provides capital for extensive property upgrades, enhancing value and income potential.
• Refinancing existing debt: Investors can use mezzanine financing to restructure debt and improve cash flow.
• Expanding portfolios: It enables investors to pursue multiple projects simultaneously, leveraging additional capital.

Benefits for real estate investors

• Preserves equity: Mezzanine financing minimizes equity dilution, allowing investors to retain ownership control.
• Enhances leverage: It maximizes borrowing capacity, enabling larger investments with limited equity.
• Accelerates project timelines: Quick access to capital ensures timely execution of time-sensitive opportunities.
• Improves returns: By leveraging additional funds, investors can achieve higher returns on equity.

How to apply for mezzanine financing

Sterling Capital simplifies the application process for mezzanine financing. Submit your property details, financial profile, and project plans through their loan request form. Their team evaluates your application promptly, ensuring a seamless experience tailored to your investment goals.

Preferred equity for real estate​ investors

Preferred equity offers a flexible financing solution for real estate investors looking to maximize their capital without diluting ownership. It sits between senior debt and common equity, providing a balance of risk and reward. This option is ideal for investors seeking additional funds for acquisitions, renovations, or portfolio expansion while maintaining control over their projects.

With Sterling Capital’s preferred equity solutions, you can access tailored financing that aligns with your investment goals. Whether you’re tackling high-value projects or optimizing cash flow, this option provides the support you need to grow your portfolio. Explore Sterling Capital’s offerings to find the right fit for your next real estate venture.

Get the most competitive bridge loans from OfferMarket

OfferMarket is a real estate investing platform focused on serving 1-9 unit residential real estate investors. Month-in-month-out, thousands of real estate investors leverage our platform to grow and optimize their portfolio. Our mission is to help you build wealth through real estate and we offer the following benefits to our members:

💰 Private lending
☂️ Insurance rate shopping
🏚️ Off market properties
💡 Market insights

If you have a deal that needs bridge or DSCR loan funding, text message our client service team at 443-492-9941 and we will be happy to review your deal and provide you with the most competitive terms in the industry.