Bridge Loansin Raleigh

Short-term capital between two financing events

Cover a CRE acquisition, a value-add reposition or a working-capital gap while permanent financing is finalized. Sized for 6-24 month holds with interest-only structures.

6-24 month terms
Interest-only options
Asset-backed underwriting

$250K-$15M

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Soft credit pull only 24-hour decisions NC-licensed partners

Program Memo

Bridge Loans for Raleigh businesses

Bridge loans solve a timing problem: you need capital now and you have a defined exit (sale, refinance, equity raise, lease-up) within 6-24 months. For Raleigh sponsors closing on a value-add property before stabilization, operators acquiring a business before SBA underwriting can finish, or owners refinancing out of a maturing loan, bridge debt fills the gap.

Pricing reflects the speed and risk - rates typically run 9-13% with 1-3 points at close, interest-only during the term, and a clear take-out plan baked in. The cleanest Triangle bridge deals are repositions of stabilized assets near North Hills and downtown, lease-up plays in Cary and Apex, and acquisition bridges where SBA or conventional take-out is already underwritten in parallel.

Quincy is direct about when bridge debt is the right tool and when it isn't. Without a credible, time-bound exit, bridge financing turns into expensive permanent debt. We won't route a deal that doesn't have a clean path off the bridge - and we'll tell you so on the first call.

Every Quincy Lenders application runs through NC-licensed lending partners - one soft credit pull, side-by-side offers, no fee until close.

Coverage · Bridge Loans

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