This commercial bridge loan calculator shows what a bridge actually costs you: your loan amount and leverage, your monthly carrying cost, the equity you need to bring, and your total cost of capital over the term. A commercial bridge loan is short-term, interest-only financing sized on the deal, not on years of tax returns. Enter your own numbers. Everything updates as you type.
It's built for income-producing commercial property: apartments, retail, industrial, office and similar. It doesn't model a residential "buy before you sell" home bridge loan.
Your deal
Your numbers
| Total project cost (price + rehab) | $0 |
| Bridge loan amount | $0 |
| Loan to cost (LTC) | 0% |
| Loan to value at exit (LTV on stabilized value) | n/a |
| Origination fee | $0 |
| Total interest over the term | $0 |
| Exit fee | $0 |
| Other closing costs | $0 |
| Total cost of capital (fees + interest + costs) | $0 |
| All-in annual cost (total cost ÷ loan ÷ years) | 0% |
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A worked example: $6,000,000 acquisition
Northern Ridge Capital places $5 million to $30 million in commercial bridge debt and closes in 15 to 30 days. Here is what a bridge costs on a $6M purchase, using this calculator's own default assumptions, so you can check your own numbers against it.
| Purchase price | $6,000,000 |
| Bridge loan at 70% loan to cost | $4,200,000 |
| Equity you bring | $1,800,000 |
| Origination at 2 points | $84,000 |
| Monthly carrying cost, interest-only at 10.5% | $36,750 |
| Interest over an 18-month term | $661,500 |
| Total cost of capital | $745,500 |
| All-in annual cost ($745,500 ÷ $4,200,000 ÷ 1.5 years) | 11.8% |
On those assumptions the bridge costs $745,500 over 18 months, or $36,750 a month, against $1,800,000 of equity. That total is the number to weigh against what your business plan adds to the asset. The example assumes no exit fee and leaves out third-party closing costs; add yours above.
How do you calculate a commercial bridge loan?
- Loan amount = (purchase price + rehab budget) × loan-to-cost %.
- Monthly interest-only payment = loan amount × annual rate ÷ 12.
- Total interest = monthly payment × months outstanding.
- Fees = loan amount × origination points, plus any exit fee, plus third-party closing costs.
- Total cost of capital = total interest + fees. Divide it by the loan amount and by the term in years to get the all-in annual cost.
How to read this commercial bridge loan calculator
Loan to cost vs loan to value. Loan to cost measures your loan against everything you are putting into the deal, price plus rehab. Loan to value at exit measures it against the stabilized value you expect after the work is done. Lenders watch both.
Why interest-only? Bridge loans carry interest-only, so your monthly cost is the balance times your rate over twelve. You repay the principal at the exit, when you sell or refinance into permanent debt.
Total cost of capital is the real price of the bridge: origination points plus all the interest you pay across the term. It is the number to weigh against the upside your business plan creates.
Bridge loan calculator FAQ
How do I compare two bridge loan quotes? Put each quote through the calculator with the same loan amount and term, including its points, exit fee and closing costs, then compare the all-in annual cost. A lower rate with higher fees can cost more than a higher rate with lower fees, especially on a short term.
Why does a shorter term raise the all-in annual cost? Points and closing costs are paid once. Spread over 12 months instead of 24, they add twice as much to each year's cost.
Does the monthly payment include principal? No. The calculator assumes interest-only payments, which is how bridge loans are usually structured. The full loan balance is repaid at the exit, from a sale or a permanent loan.
Can I use this for a home bridge loan? The math is the same, but this page and Northern Ridge Capital cover commercial real estate only, on loans from $5 million to $30 million.
Keep going
See the full picture on our commercial bridge loans page, or by market: California, Texas, and Florida. Bidding at auction? Try the commercial auction financing calculator.
Planning the exit? The commercial refinance calculator shows how large a permanent loan the stabilized property could support to pay off the bridge.
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.