What types of business funding does Surge Financial offer?

Surge Financial offers SBA loans, business lines of credit, equipment financing, working capital loans, revenue-based financing, and invoice factoring. We help businesses secure $10K to $5M in funding.

What real estate financing options are available?

Surge Financial provides DSCR loans, hard money loans, bridge loans, fix-and-flip financing, ground-up construction loans, and portfolio loans for real estate investors in all 50 states.

How fast can I get approved for funding?

Most approvals take 24-48 hours. We offer no hard credit pull pre-qualification and no upfront fees. Contact us at 954-787-4348 to get started.

Do I need perfect credit to qualify?

No. We work with borrowers across the credit spectrum. Many of our financing options including hard money and DSCR loans are asset-based, meaning the property or business revenue matters more than your personal credit score.

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies based on the property's rental income rather than your personal tax returns. It is ideal for real estate investors who want to finance rental properties.

What is Surge Financial?

A streamlined financial platform providing fast, transparent funding solutions and financing options designed to help businesses scale with ease and efficiency.

What property types do you finance in the commercial category?

Office, retail, industrial, flex, self-storage, medical office, and hospitality. Mixed-use and multifamily 5+ units are also available. Some specialty property types are considered on a case-by-case basis.

How is commercial real estate underwriting different from residential?

Commercial underwriting is primarily driven by the property's income (NOI) and the resulting debt coverage ratio, the borrower's commercial real estate experience, and market conditions. Personal income is less of a factor than in residential lending, though most programs still review personal financials.

What's the typical LTV for a commercial bridge loan?

Most commercial bridge programs range from 65–75% LTV, with some exceptions for experienced sponsors or particularly strong assets. LTV requirements are higher (lower leverage) than residential bridge products due to commercial market liquidity risks.

Real Estate FinancingCommercial Property Loans: Bridge, Hard Money and DSCR for CRE Investors

Commercial Property Loans: Bridge, Hard Money and DSCR for CRE Investors

Office, retail, industrial, self-storage, and medical office. Fast bridge loans. Nationwide coverage.

Get Started. No Fees.

Office / Retail / Industrial

Specialty Properties

Up to 75%

LTV Available

Fast Bridge

Financing

50 States

Coverage

Overview

Financing Commercial Property Loans: Bridge, Hard Money and DSCR for CRE Investors

Commercial real estate financing does not move at bank speed. When you are acquiring a retail strip, repositioning an office building, or bridging to permanent financing, you need a financing partner who understands the asset and can close fast. Surge Financial advises commercial investors on the right capital structure for every CRE strategy.

Loan Programs

Available Financing Options

Loan programs available for Commercial Property Loans: Bridge, Hard Money and DSCR for CRE Investors properties.

Bridge Loans

Short-term commercial bridge financing for acquisitions, value-add projects, and properties transitioning to permanent financing.

Hard Money (Commercial)

Asset-based commercial lending for properties or borrowers who don't meet conventional criteria.

DSCR (Commercial Programs)

Some DSCR programs extend to 5+ unit multifamily and stabilized commercial properties with strong in-place income.

Why Surge

Why Investors Choose Surge Financial

No upfront fees. Asset-based lending options. A specialist who moves at the speed real estate requires.

5 days

Fastest close time

80%

Max LTV available

Upfront fees

All 50

States covered

Eligibility

Typical Loan Parameters

General guidelines for Commercial Property Loans: Bridge, Hard Money and DSCR for CRE Investors financing. Every deal is evaluated on its own merits. Contact us to discuss your specific situation.

Check Eligibility. No Fees.

Bridge

Loan Amount

$500K–$50M+

LTV

Up to 75%

Close Speed

2–4 weeks

Best For

Acquisitions, value-add

Hard Money

Loan Amount

$250K–$20M+

LTV

Up to 70%

Close Speed

Fast

Best For

Distressed, complex

DSCR (CRE)

Loan Amount

$500K–$10M+

LTV

Up to 75%

Close Speed

4–6 weeks

Best For

Stabilized income

Best For

Who This Is For

These programs are designed for specific investor profiles. Find the scenario that matches your situation below.

CRE investors acquiring office, retail, industrial, self-storage, or hospitality properties

Commercial bridge programs close in 7 to 21 business days and are underwritten on the asset value and the business plan, not the borrower's personal income.

Investors repositioning a commercial asset that does not yet qualify for permanent financing

Bridge and hard money programs are specifically designed for properties in transition, covering the period between acquisition and stabilization when permanent lenders will not engage.

Operators bridging from a short-term loan to long-term permanent commercial financing

Once the property is stabilized with consistent occupancy and income, a bridge-to-permanent strategy allows you to refinance into agency, CMBS, or bank financing at significantly lower rates.

Commercial property owners seeking a cash-out refinance to fund additional acquisitions

Commercial cash-out programs are available for stabilized income-producing assets with sufficient equity, using the property's net operating income and DSCR to qualify.

Investors evaluating commercial deals that do not fit a single loan category

Mixed asset types, transitional properties, unusual deal structures, and complex ownership situations all benefit from an advisor who can identify the right program rather than forcing the deal into a standard box.

FAQ

Common Questions

Finance Your Commercial Property Loans: Bridge, Hard Money and DSCR for CRE Investors Property

No upfront fees. No hard credit pull. Tell us your deal and we will tell you what is possible.

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