1031 Bridge Financing
1031 Exchange Bridge Loans for Commercial Real Estate
1031 exchange bridge loans allow investors to close on replacement property within the IRS 45-day identification and 180-day closing deadlines without waiting for conventional financing. These short-term facilities close in 10 to 21 days, satisfying exchange timing requirements while a permanent loan is arranged post-close. Minimum deal size is $2 million, aligned with the equity profiles of investors doing tax-deferred exchanges in commercial real estate.
Apply for 1031 Bridge Financing →Key Features
1031 Exchange Bridge Loans at a Glance
Loan Amount
$2M - $50M+
Term
6 - 18 Months
Rates
7.50% - 11.50%
Ltv
Up to 75% of Purchase Price
Close Time
10 to 21 Days to Satisfy Exchange Deadline
Structure
Interest-Only, Bridge to Permanent Refinance
Overview
Bridge Financing to Meet 1031 Exchange Deadlines
A failed 1031 exchange triggers full capital gains tax recognition on the relinquished property sale, often representing hundreds of thousands of dollars in immediate tax liability. The primary risk is not finding the right replacement property — it is failing to close on one in time. Conventional bank financing is simply not fast enough for most exchange timelines, particularly when the identified property requires due diligence, PCNA reports, or appraisals that banks require before commitment. A 1031 bridge loan from a debt fund or private lender eliminates the timing risk: the investor closes the exchange, locks in the tax deferral, and then refinances into permanent debt at leisure. Experienced 1031 exchange advisors and qualified intermediaries routinely recommend bridge lenders to their clients for exactly this reason.
Lender Sources
- Debt Funds
- Private Lenders
- Bridge Lending Platforms
- Qualified Intermediary Partner Lenders
- Family Offices
Ideal For
- Investors who have sold a property and must close on replacement property within 180 days
- 1031 exchanges where identified replacement property cannot close in time with bank financing
- Investors upgrading from smaller residential rentals into commercial property via 1031
- Portfolio consolidation: exchanging multiple small properties into one larger commercial asset
- DST (Delaware Statutory Trust) alternative when direct ownership is preferred
- Investors who need bridge financing while a qualified intermediary holds exchange proceeds
1031 Exchange Bridge Loans by City
Los Angeles, CA
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New York, NY
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Phoenix, AZ
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Dallas, TX
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Houston, TX
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Miami, FL
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Atlanta, GA
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Chicago, IL
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Denver, CO
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Seattle, WA
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San Diego, CA
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San Francisco, CA
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Austin, TX
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Nashville, TN
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Tampa, FL
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Charlotte, NC
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Minneapolis, MN
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Portland, OR
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Las Vegas, NV
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Orlando, FL
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Raleigh, NC
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Salt Lake City, UT
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San Antonio, TX
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Kansas City, MO
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Columbus, OH
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Indianapolis, IN
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San Jose, CA
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Philadelphia, PA
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Washington DC, DC
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Detroit, MI
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Boston, MA
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Baltimore, MD
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Sacramento, CA
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St. Louis, MO
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Pittsburgh, PA
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Cincinnati, OH
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Cleveland, OH
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Jacksonville, FL
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Milwaukee, WI
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Memphis, TN
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Oklahoma City, OK
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Louisville, KY
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Richmond, VA
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Virginia Beach, VA
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New Orleans, LA
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Birmingham, AL
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Hartford, CT
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Tucson, AZ
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Boise, ID
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Omaha, NE
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Tulsa, OK
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Honolulu, HI
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Albuquerque, NM
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El Paso, TX
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Riverside, CA
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Charleston, SC
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Knoxville, TN
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Fort Worth, TX
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Savannah, GA
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Fort Lauderdale, FL
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West Palm Beach, FL
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Durham, NC
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Colorado Springs, CO
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Huntsville, AL
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Provo, UT
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Boulder, CO
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Reno, NV
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Ann Arbor, MI
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Madison, WI
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Des Moines, IA
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Lexington, KY
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Providence, RI
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Buffalo, NY
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Rochester, NY
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Grand Rapids, MI
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Fresno, CA
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Worcester, MA
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Stamford, CT
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Bridgeport, CT
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New Haven, CT
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Bakersfield, CA
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Oxnard-Ventura, CA
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Allentown, PA
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Baton Rouge, LA
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Dayton, OH
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McAllen, TX
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Stockton, CA
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Columbia, SC
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Greensboro, NC
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Akron, OH
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Sarasota, FL
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Fort Myers, FL
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Little Rock, AR
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Wichita, KS
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Lakeland, FL
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Ogden, UT
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Winston-Salem, NC
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Augusta, GA
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Spokane, WA
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Syracuse, NY
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Toledo, OH
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Lancaster, PA
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Chattanooga, TN
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Scranton, PA
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Harrisburg, PA
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Asheville, NC
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Pensacola, FL
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Jackson, MS
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Shreveport, LA
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Greenville, SC
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Fayetteville, NC
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Myrtle Beach, SC
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Wilmington, NC
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Montgomery, AL
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Roanoke, VA
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Charlottesville, VA
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Fredericksburg, VA
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Manchester, NH
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Portland, ME
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Burlington, VT
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Springfield, MA
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Cape Coral, FL
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Daytona Beach, FL
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Columbia, MO
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Springfield, MO
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Sioux Falls, SD
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Fargo, ND
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Lincoln, NE
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Cedar Rapids, IA
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Peoria, IL
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Fort Wayne, IN
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South Bend, IN
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Evansville, IN
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Youngstown, OH
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Canton, OH
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Flint, MI
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Kalamazoo, MI
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Lansing, MI
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Duluth, MN
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Rochester, MN
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Green Bay, WI
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Appleton, WI
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Wausau, WI
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Eau Claire, WI
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Champaign-Urbana, IL
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Davenport, IA
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Waterloo, IA
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Sioux City, IA
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Topeka, KS
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Lubbock, TX
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Midland, TX
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Abilene, TX
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Tyler, TX
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Waco, TX
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Beaumont, TX
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Corpus Christi, TX
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Killeen, TX
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Round Rock, TX
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Brownsville, TX
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Laredo, TX
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Flagstaff, AZ
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Yuma, AZ
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Santa Barbara, CA
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San Luis Obispo, CA
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Santa Cruz, CA
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Palm Springs, CA
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Visalia, CA
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Salinas, CA
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Chico, CA
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Redding, CA
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Victorville, CA
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Temecula, CA
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Modesto, CA
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Missoula, MT
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Billings, MT
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Great Falls, MT
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Helena, MT
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Bozeman, MT
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Idaho Falls, ID
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Pocatello, ID
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Twin Falls, ID
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Casper, WY
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Bismarck, ND
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Minot, ND
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Rapid City, SD
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Macon, GA
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Columbus, GA
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Florence, AL
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Dothan, AL
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Gulfport, MS
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Hattiesburg, MS
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Fredericksburg, TX
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Lynchburg, VA
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Hagerstown, MD
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Salisbury, MD
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Trenton, NJ
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Atlantic City, NJ
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Reading, PA
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York, PA
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Erie, PA
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State College, PA
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Charleston, WV
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Huntington, WV
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Wheeling, WV
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Manchester, TN
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Clarksville, TN
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Johnson City, TN
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Bowling Green, KY
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Owensboro, KY
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Paducah, KY
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Florence, SC
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Hilton Head Island, SC
1031 Bridge Loans
Wilmington, DE
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Dover, DE
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Manchester, CT
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Bangor, ME
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Albany, NY
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Binghamton, NY
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Poughkeepsie, NY
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Utica, NY
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Lowell, MA
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Springfield, IL
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Decatur, IL
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Bloomington, IL
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Joliet, IL
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Elgin, IL
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Waukegan, IL
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Rockford, IL
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La Crosse, WI
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Kenosha, WI
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Racine, WI
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Yakima, WA
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Kennewick, WA
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Bellingham, WA
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Olympia, WA
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Tacoma, WA
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Eugene, OR
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Medford, OR
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Astoria, OR
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Newark, NJ
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Jersey City, NJ
1031 Bridge Loans
Related Property Types
1031 Exchange Bridge Loans are available for all major commercial property types. Explore financing by property category.
Multifamily
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Industrial
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Retail
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Office
Financing programs
Mixed-Use
Financing programs
Hospitality
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Self-Storage
Financing programs
Data Centers
Financing programs
Senior Living
Financing programs
Medical Office
Financing programs
Manufactured Housing
Financing programs
Parking
Financing programs
FAQ
1031 Exchange Bridge Loans FAQ
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