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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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.
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.