Pricing
1-Month SOFR + 400–500 bps or Fixed Rate
Real Estate Lending / Multifamily Bridge & Term
Multifamily Bridge & Term
For Value-Add and Lease-Up Opportunities with 5+ Units.
Use Senior Secured Bridge and Term Financing for Multifamily or Mixed-Use Properties with Deferred Maintenance, Low or No Occupancy, or Below-Market Rents—with No Ground-Up Construction.
At a Glance
1M SOFR + 400–500 bps
Starting Rate
12–24 mo.
Term
$1M–$10M
Loan Amount
Next Step
Apply for Multifamily Financing
Start with the Commercial Real Estate Bridge Application. Share Your Property, Business Plan, Borrower Profile, and Capital Needs for Review Under Applicable Program Guidelines.
Apply for Multifamily FinancingApplying For
Multifamily Bridge & Term
Your Product Path Is Identified Here so You Can Focus on the Property and Project Details.
Having Trouble Loading the Form? Open It in a New Tab
Rates & Terms
The Useful Details, in One Clear View.
These Program Parameters Give You a Practical Starting Point. Final Terms and Eligibility Are Subject to Underwriting and Applicable Program Guidelines.
Term
12–24 Months, with Two Six-Month Extension Options
Loan Amount
$1,000,000–$10,000,000
Property
5+ Units; Multifamily or Mixed-Use with No More Than 30% Non-Residential EGI
Strategy
Value-Add and Lease-Up Only, Including Deferred Maintenance, Low/No Occupancy, and Below-Market Rents; No Ground-Up Construction
Geography
All 50 U.S. States and Washington, D.C.
Leverage
75% LTPP; 70% LTC; 80% TLTC; 70% As-Stabilized LTV
Debt Yield
9%
Minimum FICO
700+
Borrower / Guarantor
U.S. Citizens or Permanent Residents; Newly Formed SPEs Eligible; Experience in the Same Submarket
Post-Close Strength
Liquidity Equal to 10% of the Loan Amount and Net Worth Equal to 100% of the Loan Amount
Payments & Lien
Interest-Only Payments with a Senior Secured First-Lien Position
Prepayment
12-Month Minimum-Interest Prepayment Penalty
Explore the Full Lending Suite
Find the Right Path
for the Deal.
Who It’s For
A Capital Path with a Clear Job to Do.
Sponsors Pursuing a Value-Add or Lease-Up Plan for a 5+ Unit Multifamily or Mixed-Use Property, with No More Than 30% Non-Residential EGI and Experience in the Same Submarket.
Bring Us the Opportunity Early. We’ll Help You Understand What the Deal Needs, What the Program Supports, and What to Prepare Next.
Before You Apply
A Clear Fit Starts with the Basics.
Property Fit
5+ Units, Multifamily or Mixed-Use, with No More Than 30% Non-Residential EGI.
Sponsor Fit
700+ FICO, Eligible Citizenship or Residency, Required Liquidity and Net Worth, and Same-Submarket Experience.
Capital Fit
A Value-Add or Lease-Up Plan for Deferred Maintenance, Low/No Occupancy, or Below-Market Rents.
New Developers Can Bring the Opportunity Early.
ClearBlu Can Help You Organize the Plan and Structure Capital Efficiently. Relevant Same-Submarket Experience Remains Part of the Program, and Every Request Is Subject to Underwriting and Applicable Guidelines.
Keep the Product Lane Clear
Multifamily Bridge & Term Is for 5+ Unit Properties. ClearBlu’s 1–4 Unit Residential Fix & Flip, Ground Up, ADU/DADU, DSCR, and Portfolio Loans Serve Different Property Types and Strategies. This Product Does Not Finance Ground-Up Construction.
ClearBlu’s 4 C’s
Capital Works Better with Context.
Coaching
Clarify the Value-Add or Lease-Up Plan and the Next Useful Move.
Credit
Build the Borrower Picture Around Credit, Liquidity, Net Worth, and Experience.
Capital
Structure Financing Around the Purchase, Costs, Stabilized Value, and Debt Yield.
Custom Automation
Use Practical Systems to Organize Information and Keep Execution Moving.
How It Works
From First Conversation
to a Clear Capital Plan.
01
Get in Touch
Tell Us About the Property, Value-Add or Lease-Up Plan, and Where You Want the Project to Go.
02
Submit Your Deal
Share the Property, Borrower, Budget, Leverage, and Operating Details so the Full Picture Can Be Reviewed.
03
Structure the Next Move
Work Through a Capital Plan That Fits the Property, the Strategy, and Applicable Program Guidelines.
Multifamily Bridge FAQ
Know What to Bring to the Conversation.
What Properties Fit This Program?
Eligible Properties Have 5 or More Units and Are Multifamily or Mixed-Use with No More Than 30% Non-Residential EGI. The Strategy Must Be Value-Add or Lease-Up, Not Ground-Up Construction.
Can a Newly Formed SPE Apply?
Yes, Newly Formed SPEs Are Eligible. The Borrowers or Guarantors Must Also Be U.S. Citizens or Permanent Residents and Meet the 700+ FICO, Liquidity, Net Worth, and Same-Submarket Experience Requirements.
Can ClearBlu Work with a New Developer?
ClearBlu Can Support New Developers with Coaching and Efficient Capital Structuring. The Sponsor Still Needs Experience in the Same Submarket, and a Request Is Not a Promise of Approval or Funding.
How Are Pricing and Payments Structured?
Pricing Is 1-Month SOFR Plus 400–500 Basis Points or a Fixed Rate. Payments Are Interest-Only. Final Pricing and Structure Are Subject to Underwriting and Applicable Program Guidelines.
What Are the Term and Extension Options?
The Term Is 12–24 Months, with Two Six-Month Extension Options. The Loan Has a 12-Month Minimum-Interest Prepayment Penalty.
How Is This Different from ClearBlu’s Residential Products?
This Is the 5+ Unit Multifamily Bridge & Term Lane. ClearBlu’s 1–4 Unit Fix & Flip, Ground Up, ADU/DADU, DSCR, and Portfolio Products Address Different Residential Property Types and Strategies.
Your Next Move Starts Here