First Bridge Lending CRE
Petaluma, California
CA DRE 01918610, NMLS 958346, CFL 60DBO-77543
Bridge Lender for Commercial Real Estate in the Western Coast
First Bridge Lending, established in 2012, is a direct private lending firm focused on CRE bridge loans in 4 Western States. Our organizational structure and streamlined process make it possible for qualifying loans to close within a few days. We have complete discretion over our funds, produce our own loan documents, and do all our underwriting and servicing in house. Our ability to move quickly and manage loans through their life cycle sets us apart from other lenders.
- Mortgage Fund Structure – We have full discretion over our capital, free from the external influences. We do not sell our loans.
- Front-Line Credit – The principals of our firm collaborate to approve each deal, providing our clients with meaningful feedback from the onset.
- In-House Appraisal – We don’t require a formal appraisal. One of our principals will do the site visit.
We provide bridge financing secured by core commercial properties: Multifamily, Industrial, Retail, Self Storage, Mobile Home Parks, and other properties that don’t have a business component. For examples, we do NOT lend on hotels, gas stations, assisted living facilities, etc. And we do not lend on office buildings, unless the loan-to-value is under 30%.
Please Note: We do NOT offer loans for land development or ground-up construction.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Multifamily Value-Add
Commercial Value-Add
Property Types
- Commercial Condominium
- Industrial
- Mixed-Use
- Mobile Home Park
- Multifamily
- Parking Garage
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- RV Park
- Retail
- Storage Facility
- Student Housing
Loan Types
- Multifamily Bridge
- Multifamily Rehab
- Commercial Bridge
- Commercial Property Value Add
Specialty Loan Types
- Discounted Note Payoff
- Note Purchase
- Reverse 1031 Exchange
Max Loan-to-Purchase Price
65%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
2Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
65%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
0Maximum After Repair Value
65%Deposit Required
Good faith deposit requested. The deposit is fully refundable, less expenses incurred (i.e. travel), if we decline the loan. If we approve the loan, the deposit is credited towards closing costs.
Documents Fee
We charge a doc and processing fee ranging from $1,500 - $2,500 depending on deal and ownership structure.
Fees which are mandatory for all new borrower clients
- Processing Fee
- Documents Fee
Fees which are paid to a third party company
- Escrow Fee
- Title Fee
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Founded in 2012, First Bridge Lending specializes in providing fast and creative debt solutions for both commercial and residential property types. With over 100 combined years of lending and investing experience, the principals at First Bridge Lending understand our borrower’s needs and know how to deliver optimal financing solutions.
At First Bridge Lending we combine in-depth industry knowledge and a high level of service to provide the best private lending options for our borrowers. We put you in direct contact with decision makers and local market experts dedicated to your loan, quickly providing meaningful feedback and competitive capital. Our organizational structure and streamlined process make it possible for qualifying loans to close within 3 days. We have complete discretion over our funds, produce our own loan documents, and do all our underwriting and servicing in house. Our ability to move quickly and manage loans through their life cycle sets us apart from other lenders.
We pride ourselves on our in-depth industry knowledge and our integrity. We have funded loans that range from $100,000 to $10,000,000 on residential and commercial properties located in the Western states. We have closed more than 2,000 loans totaling over $1.5 billion since 2012.
FJM Management, LLC DBA First Bridge Lending is licensed by CA DFPI under CFL #60DBO-77543 and FJM Capital, Inc. DBA First Bridge Lending is licensed by CA DRE Broker #01918610 NMLS #958346
Office Locations
5341 Old Redwood Highway, Suite 200, Petaluma, California 94954Our Team
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Our Minimum Loan Amount Is
$500,000
What We Do
- Core Commercial Properties
- In-House Valuation; no appraisal
- Low Leverage Loans up to 65% LTV
Not Available
- NO High Leverage over 65% LTV
- NO Land or Construction Projects
- NO Cannabis-Use Properties
- NO Hotels or Assisted Living