Industrial Bridge Lending
Industrial Bridge Loans
Short-term, asset-backed financing for warehouse, logistics, and distribution acquisitions and repositioning. Loans from $2M to $20M, closing in 14 to 21 business days.
Overview
Bridge Capital for Industrial Sponsors
An industrial bridge loan gives investors fast, flexible capital to acquire or reposition a warehouse, distribution center, or logistics facility before it qualifies for permanent financing. As a private, balance-sheet lender, Rhine Legacy Capital funds transitional industrial deals nationwide, underwriting the sponsor’s business plan and the property’s stabilized value, not just its current cash flow.
We close in weeks, not months, with underwriting, capital, and servicing all in-house. That makes our bridge program a fit for time-sensitive acquisitions, value-add repositioning, lease-up of single-tenant space, and borrowers bridging to permanent financing.
Loan Parameters
Industrial Bridge Terms
Loan Size
$2M – $20M
Max LTV
Up to 75%
Max LTC
Up to 80%
Term
6–24 Months
Starting Rate
9.99%
Geography
Nationwide
Typical parameters; actual terms vary by transaction and sponsor profile.
When It Fits
Industrial Bridge Use Cases
Acquisitions
Fast capital for time-sensitive warehouse and logistics purchases when speed and certainty of execution are critical.
Value-Add / Stabilization
Funding for clear-height expansion, dock-door upgrades, and repositioning to higher-tier tenants.
Bridge-to-Takeout
Bridge a single-tenant or multi-tenant facility through vacancy and lease-up to stabilization.
Recapitalization
Retire maturing debt or extract equity for reinvestment without waiting on bank timelines.
Private vs. Agency
Why a Private Bridge Lender for Industrial
Agency and bank lenders offer the lowest rates, but they require stabilized cash flow, long-term leases, full documentation, and timelines of 45 to 60 days or more. On a transitional industrial deal, that timeline can cost you the transaction.
A private balance-sheet lender like Rhine Legacy Capital underwrites the business plan and the sponsor, closes in weeks, and funds properties that do not yet meet agency standards. You accept a higher rate and shorter term in exchange for speed, flexibility, and certainty of execution, then bridge into permanent financing once the asset is stabilized.
Frequently Asked Questions
Industrial Bridge Loan FAQs
What is an industrial bridge loan?
An industrial bridge loan is a short-term, asset-backed loan used to acquire, reposition, or refinance a warehouse, distribution center, or logistics facility while it is stabilized or improved. Bridge loans are built for transitional assets and are typically interest-only, with terms of 6 to 24 months. The lender underwrites the sponsor’s business plan and the property’s future value, not just its current cash flow.
Who offers bridge loans for industrial properties?
Industrial bridge loans are provided by private real estate lenders, debt funds, and balance-sheet lenders such as Rhine Legacy Capital. These lenders move faster and with more flexibility than banks or agency lenders, which makes them a fit for time-sensitive acquisitions or properties that do not yet qualify for permanent financing.
How fast can an industrial bridge loan close?
A private industrial bridge loan can often close in 14 to 21 business days, compared with 45 to 60 days for agency or bank financing. Rhine Legacy Capital completes a preliminary review within 24 hours, issues a term sheet with indicative pricing and structure, and handles underwriting and closing in-house. Typical timelines; actual turnaround varies by transaction.
What are typical terms for an industrial bridge loan?
Industrial bridge loans typically range from $2 million to $20 million, with loan-to-value up to 75%, loan-to-cost up to 80%, terms of 6 to 24 months, interest-only payments, and rates starting around 9.99%. Rhine Legacy Capital finances industrial acquisitions nationwide within these parameters.
What LTV or LTC will an industrial bridge lender offer?
Most private bridge lenders offer loan-to-value up to 75% and loan-to-cost up to 80% on industrial deals, depending on the sponsor’s experience, the business plan, and the property’s stabilized value. Rhine Legacy Capital underwrites each transaction individually and structures the loan around the sponsor’s execution plan.
When does an industrial bridge loan make sense?
A bridge loan makes sense when a borrower needs speed, flexibility, or capital for a transitional asset: acquiring a value-add warehouse, funding clear-height or dock-door upgrades, leasing up vacant space, refinancing a maturing loan, or bridging to permanent financing once the property is stabilized.
How do private bridge lenders differ from agency or bank lenders for industrial?
Agency and bank lenders offer the lowest rates, but they require stabilized cash flow, long-term leases, full documentation, and timelines of 45 to 60 days or more. Private bridge lenders like Rhine Legacy Capital underwrite the business plan and the sponsor, close in weeks rather than months, and fund transitional properties that do not yet meet agency standards, in exchange for a higher rate and shorter term.
Have an Industrial Deal?
Submit your opportunity for a preliminary review within 24 hours. Typical timelines; actual turnaround varies by transaction.