First-lien collateral
Business-purpose loans secured by U.S. residential real estate.
Capital during a defined transition
Business-Purpose Bridge Loans
Business-purpose bridge financing for residential real estate investors awaiting permanent financing, an equity event, or property sale.
Indicative term
Up to 36 months
Leverage guideline
Up to 75% LTV
Primary use
Defined transitional capital need
Structure
Transitional first-lien bridge
04 / 05
Built for the bridge stage.
Business-purpose bridge financing supports residential real estate investors during a defined transition to permanent financing, an equity event or property sale; terms may extend up to 36 months, subject to underwriting.
MRC applies a business-purpose first-lien real estate lending framework while matching term and leverage guidelines to the collateral and project stage.
Third-party diligence
Appraisal, title, document, borrower background and OFAC review.
Transaction controls
Product-specific leverage and, where applicable, verified construction-draw controls.
Business-purpose financing fit
Bridge financing with a defined exit strategy
A business-purpose bridge loan can address a temporary financing need while a residential real estate investment moves toward a sale, permanent financing or another identifiable capital event. MRC's published bridge terms may extend up to 36 months, subject to underwriting; that maximum should not be confused with a guaranteed loan term.
Key considerations for this loan strategy
- State the investment purpose, property type and reason transitional financing is needed.
- Explain the expected sale, refinancing or other planned payoff event and its timing.
- Identify the current collateral position and transaction-specific borrower considerations.
- Review first-lien structure, up to 75% LTV guidance and a term that may extend up to 36 months.
These are discussion points, not a complete document checklist or eligibility determination. Learn more in the business-purpose real estate loans guide, or review MRC's underwriting framework.
Underwriting lens
Structure follows the project.
The published term and leverage figures are underwriting guidelines—not automatic approvals or standardized commitments.
Each financing opportunity is evaluated against its collateral, documentation, borrower diligence, project scope and applicable legal and compliance requirements.
Have a real opportunity that fits this strategy? Debbie can guide you through the details and submit it directly to MRC for review.
