Real Estate & Construction

Bridge Bank has an experienced team of real estate lenders who specialize in both commercial and residential construction projects, and in commercial real estate purchasing or refinancing. From custom spec homes to multi-unit investment properties, our knowledgeable bankers can help you get the flexible financing you need to bring your project to completion. Bridge Bank actively lends for real estate projects in Alameda, Contra Costa, Santa Clara, San Mateo, San Francisco and Santa Cruz counties.

Real Estate Financing Solutions Include:

  • Acquisition Land Loans – Funding to purchase raw land for the purpose of future development, for both commercial and residential projects.

  • Single-Family and Multi-Family Residences – Funding for the build-out of single-family and/or multi-family residences to be sold on a speculative basis.

  • Commercial Construction Loans – Funding for the build-out of commercial property that will either be occupied by the owner or builder, or be held as income-producing property, or be developed with the intent that the property be sold.

  • Mini-Perm Loans – Term financing to purchase or refinance existing commercial properties or newly completed construction, either for owner-occupied or investment purposes.

  • Commercial Property Assessed Clean Energy (C-PACE) Financing – Affordable lending solution to increase project efficiencies leading to greater returns and can eliminate mezzanine and/or preferred equity.

Terms on commercial real estate financing typically range from 7 to 10 years, with 20-25 year amortization schedules.

Bridge Bank also provides term financing, both purchase and refinance, for commercial properties, either for owner-occupied or investment purposes.

Other Financial and Cash Management Solutions

Checking and Money Market Accounts, Funds Transfer, Foreign Exchange and Currency Hedging, Business eBanking (full suite of online banking services), Smart Deposit Express (remote deposit), Bridge Investment Services*, Merchant Card Services, Lockbox, Global Cash Management, and more.

All offers of credit are subject to credit approval.
Merchant Services are provided by TransFirst, a TSYS Company under an agreement with Western Alliance Bank
* Nondeposit investment products are not insured by the FDIC, are not obligations of, or guaranteed by Bridge Bank or Western Alliance Bank; and will subject the purchaser to investment risk, including possible loss of the principal amount invested.

Meet Your Expert Bankers

  • KimRysyk_Website
    Kimberly Rysyk
  • KenMannina_website
    Ken Mannina
  • Bridge Bank VP, Construction Loan Officer John Carroll
    John Carroll
  • Sandy Swenson, Bridge Bank Vice President, Relationship Manager
    Sandy Swenson
KimRysyk_Website
Kimberly A. Rysyk
Senior Director, Corporate Banking
KenMannina_website
Ken Mannina
Senior Vice President, SBA/Real Estate Banking
Bridge Bank VP, Construction Loan Officer John Carroll
John Carroll
Senior Construction Risk Administrator
Sandy Swenson, Bridge Bank Vice President, Relationship Manager
Sandy Swenson
Senior Vice President, Commercial Banking

featured clients

kanskynexgen
xlSerenowise

Sereno Group


Client since: 2010

"I appreciate the fact that the bank actually recognizes the fight we've fought, what we've done and where we are now. That acknowledgement is really important to us in a banking partner."

~Chris Trapani, founder and CEO of Sereno Group

Read the Case Study

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Financial Solutions for Contractors

  • Cash-secured facilities – A cash-secured loan is designed for business owners needing to respond quickly to multiple situations and customized for each borrower. These facilities are secured by your deposits and investments held at Bridge Bank.
  • Formula line of credit – A formula line of credit is designed to supplement your cash flows and is used as a more permanent source of working capital financing. Advances are tied to your company’s eligible accounts receivable and inventory. Each facility can be customized to provide a solution to meet your financial needs.
  • Non-formula line of credit – A non-formula line of credit is designed to support short-term working capital needs, such as meeting payroll or taking advantage of trade discounts. This line of credit requires a zero balance for a specific period of time on an annual basis.
  • Corporate credit cards – A line of credit can be established for the purpose of issuing individual corporate credit cards. This allows for effective control of corporate purchases, travel and entertainment expenses, and provides management complete flexibility in issuing and canceling cards as needed.
  • Equipment financing – Equipment financing can be used to purchase new equipment or to refinance existing debt.
  • Acquisition financing – Acquisition financing provides funds to purchase or merge with a competitor’s business. These funds allow for the financing that supports the buy-out of existing owners and shareholders to acquire control of a company.

Other Financial and Cash Management Solutions

Checking and Money Market Accounts, Funds Transfer, Foreign Exchange and Currency Hedging, Business eBanking (full suite of online banking services), Smart Deposit Express (remote deposit), Bridge Investment Services*, Merchant Card Services, Lockbox, Global Cash Management, and more.

All offers of credit are subject to credit approval. Merchant Services are provided by TransFirst, a TSYS Company under an agreement with Western Alliance Bank. *Nondeposit investment products are not insured by the FDIC, are not obligations of, or guaranteed by Bridge Bank or Western Alliance Bank; and will subject the purchaser to investment risk, including possible loss of the principal amount invested. .
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