Stop Wasting Deals on the Wrong Lenders.
Northern Ridge Capital represents independent CRE sponsors in the $5M–$30M range, taking your deal to market fast, coming back with real offers, and getting you to the closing table.
As quoted in Multifamily Dive
700+
Lenders in our network: banks, debt funds, family offices, CMBS, hard money, and private capital
$600M+
in deal experience across underwriting and brokerage
15 - 30 Days
Average time from engagement to closing table
National
We place deals across all U.S. markets
Is your commercial loan maturing into a higher-rate market?
About $875 billion of commercial real estate debt reprices in 2026. If your loan was written at 3–4% and matures soon, the worst move is taking whatever your current bank offers. We run the whole market, 700+ lenders, and place your deal with the one most likely to win it.
Bridge & Construction Loans for Independent Commercial Real Estate Sponsors
Commercial Real Estate Index Rates
Northern Ridge Capital · Live Market Data
We Know Your Deal. We Know Your Lender.
Three types of sponsors come to us. All three leave with the right financing.
Types Of Deals
Acquisition
You have a property under contract and a hard close date. There's no time to shop lenders yourself and no margin for a lender who falls through. We take your deal to market immediately and come back with executable terms, not indications of interest.
Bridge & Value-Add
Your property doesn't qualify for permanent financing...yet. it needs renovation, lease-up, or repositioning first. Most lenders won't touch it. We know the ones who will, and we know how to structure the deal so the business plan makes sense to them.
Construction & BTR
Ground-up development is expensive to finance in any market. Finding a lender who understands your timeline, your draw schedule, and your exit is the job. We've built the relationships to make that match.
Explore financing by property type
How It Works
We Don't Blast Your Deal. We Place It.
There's a difference between a broker with a database and a broker who knows the market.
We don’t blast your deal to every lender in our database. We underwrite it, identify which capital sources are actively seeking opportunities like yours, and go to market with precision. The result is faster term sheets, better loan structure, and fewer surprises between application and closing.
Commercial real estate financing is one of the most complex and high-stakes processes a property owner or investor will navigate. At Northern Ridge Capital, we specialize in commercial real estate debt origination for income-producing properties in the $5M to $30M range, helping borrowers across the country secure the right financing structure at the right time.
We are a California-licensed commercial mortgage brokerage with deep experience across every major property type, including multifamily, industrial, retail, mixed-use, office, and self-storage. Whether you need bridge financing to reposition an asset, construction financing for a ground-up or build-to-rent project, or permanent financing through CMBS or HUD, we know which lenders are actively deploying capital and how to get your deal in front of them.
Our lender network spans community banks, national banks, debt funds, private credit funds, life insurance companies, CMBS conduits, hard money lenders, family offices, and high-net-worth individual investors. That breadth means we can source competitive financing solutions for deals that traditional banks routinely decline, including transitional assets, ground-up construction, short-term bridge loans, and non-stabilized properties.
If your deal is in the $5M–$30M range, we’ll tell you exactly which lenders are right for it — and why.
Northern Ridge Capital: common questions
What does Northern Ridge Capital do?
Northern Ridge Capital is a commercial real estate debt broker. It arranges loans from $5 million to $30 million on multifamily, retail and industrial properties, including bridge, permanent and construction financing, by putting each deal in front of a network of 700+ lenders that compete on terms.
Is Northern Ridge Capital a licensed commercial mortgage broker?
Yes. Northern Ridge Capital operates under California real estate broker license #02093377, held by its president, Justin Ashcraft. The license and the Northern Ridge Capital name can be checked on the California Department of Real Estate's public license lookup.
Who runs Northern Ridge Capital?
Justin Ashcraft, its president and a California-licensed real estate broker. He has $600M+ in deal experience across underwriting and brokerage.
Is Northern Ridge Capital a lender?
No. Northern Ridge Capital is a broker, not a lender. It doesn't fund loans; it places them with third-party lenders and is paid a 1% origination fee at closing. It works only on commercial real estate loans of $5 million to $30 million.
Is Northern Ridge Capital connected to other companies with similar names?
No. Northern Ridge Capital is Justin Ashcraft's California-licensed brokerage, and it isn't affiliated with any similarly named company in Ohio or elsewhere.
Get a free, no-obligation review of your deal
Tell us what you’re financing. We’ll tell you, straight, what’s realistically on the table — no cost and no pressure. A broker, not a lender, commercial real estate only.
Northern Ridge Capital is a licensed commercial mortgage broker (CA DRE #02093377), not a lender. We have no balance sheet and we don't fund loans. We take your deal to the 700+ capital sources in our network and make them compete for it. Commercial real estate only, no residential.
Tell us what you're financing below and we'll follow up within one business day. If you're a broker or advisor bringing a client's deal, say so in the notes. Your client relationship stays yours.
Submit a Deal
Tell us about your financing needs. We review every submission personally and respond within one business day.
Prefer to talk now? Book a 15-minute call: calendly.com/northernridgecapital/30min
Commercial real estate only. Submitting this is not an application and not an offer of credit. CA DRE #02093377.
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The Closing Table
Weekly insight on CRE debt markets and deal structuring for investors and developers in the $5M–$30M range. One topic, no fluff, every week. Published by Justin Ashcraft, Northern Ridge Capital.
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