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.
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 |
| Total cost of capital (fee + interest) | $0 |
Free to ask, no obligation.
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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 |
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.
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.
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.
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.