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Loan Programs

1

Acquisition Loans

Fuel your next property purchase with our acquisition financing.

  • Loan Amounts: $1M – $100M

  • Property Types: Office, retail, industrial, multifamily, hospitality, and more

  • Terms: 6 months to 5 years

  • LTV: Up to 75%

  • Features: Quick approvals, flexible underwriting, interest-only options

2

Bridge Loans

Close the gap between purchase and stabilization or refinancing.

  • Loan Amounts: $1M – $100M

  • Property Types: All commercial properties

  • Terms: 6 months to 3 years

  • LTV: Up to 80%

  • Features: Fast closings (as quick as 7-10 days), no prepayment penalties

3

Construction & Developent Loans

Build or redevelop with confidence using our construction financing.

  • Loan Amounts: $5M – $100M

  • Property Types: Ground-up construction, major renovations

  • Terms: 12 months to 3 years

  • LTV: Up to 70%

  • Features: Draw schedules, experienced construction oversight, competitive rates

4

Value-Add & Repositioning Loans

Transform underperforming assets into high-value properties.

  • Loan Amounts: $2M – $100M

  • Property Types: Multifamily, office, retail, mixed-use

  • Terms: 1 to 5 years

  • LTV: Up to 75%

  • Features: Funds for renovations, flexible terms, interest reserves available

5

Permanent Financing

Secure long-term financing for stabilized properties.

  • Loan Amounts: $5M – $100M

  • Property Types: All income-producing properties

  • Terms: 5 to 10 years

  • LTV: Up to 70%

  • Features: Fixed or floating rates, amortizing or interest-only payments

Why Choose Urban Bay Financial?

  • Speed: Close deals in days, not months.

  • Flexibility: Customized terms to fit your project.

  • Expertise: Decades of experience in commercial real estate lending.

  • Scale: Loans from $1M to $100M for projects of any size.

  • Transparency: Clear terms, no hidden fees.

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Eligible Property Types

Multifamily, Office, Retail, Industrial, Hospitality, Mixed-Use, Special Purpose

Get Started Today

Ready to finance your commercial real estate project? Our team is here to help you secure the funding you need. Contact us or apply online to get a quote in 24 hours.

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