This commercial auction financing calculator estimates the two numbers that decide the deal after you win a commercial property at auction: your total cash to close and your monthly carrying cost on a bridge loan. Your close date is fixed, your deposit is non-refundable, and there is no financing contingency, so the math needs to be right before you bid. Enter your own figures below. Everything updates as you type.
Your deal
Your numbers
| Total purchase price (bid + premium) | $0 |
| Bridge loan amount | $0 |
| Equity required | $0 |
| Earnest deposit already wired | $0 |
| Origination fee | $0 |
| Estimated closing costs | $0 |
| Total interest over the term | $0 |
| Total cost of capital (fee + interest) | $0 |
Free to ask, no obligation. Best sorted out before you bid.
Bidding on a specific deal? Let's talk before the gavel drops. We know which of 700+ bridge lenders actually fit an auction close, so you can plan your financing with a clear head instead of a guess.
A worked example: $5,000,000 winning bid
Northern Ridge Capital arranges commercial auction financing from $5 million to $30 million and closes in 15 to 30 days. Here is what the numbers look like on a $5M bid, using this calculator's own default assumptions, so you can sanity-check your own figures against it.
| Winning bid | $5,000,000 |
| Buyer’s premium at 5%, so the real purchase price | $5,250,000 |
| Bridge loan at 70% leverage | $3,675,000 |
| Your equity | $1,575,000 |
| Non-refundable deposit already wired, 10% | $525,000 |
| Origination at 2 points | $73,500 |
| Closing costs at 2% | $105,000 |
| Cash due at close | $1,228,500 |
| Monthly carrying cost, interest-only at 10.5% | $32,156 |
| Interest over a 12-month term | $385,875 |
| Total cost of capital | $459,375 |
The two numbers that decide whether you can bid are the $1,228,500 cash due at close and the $32,156 a month you carry until you sell or refinance. Change the rate, the leverage or the premium above and both move.
How to read this commercial auction financing calculator
Cash due at close is your equity plus loan fees and closing costs, minus the earnest deposit you already wired. It is the wire you send to actually take title.
Why interest-only? Commercial bridge loans are almost always interest-only, so your monthly cost is the loan balance times your rate, divided by twelve. You repay the principal when you sell or refinance into permanent debt.
What the buyer's premium does. Most auction platforms add a premium on top of your winning bid, so your real purchase price and your real loan are both based on bid plus premium, not the bid alone. This tool builds that in.
Keep going
See how the financing actually works on our commercial auction financing page, or model a straight acquisition with the commercial bridge loan calculator.
For planning only. This is an estimate based on the figures you enter, not a quote, an offer, or a commitment to lend. Actual terms are set by third-party lenders subject to underwriting. Northern Ridge Capital is a licensed commercial mortgage broker (CA DRE #02093377), not a lender, arranging financing on commercial real estate only. Full disclosures.