Multifamily Bridge Loans

Delivering customized small balance bridge and permanent loan solutions for Multifamily Real Estate 

Multifamily Bridge Financing

We create flexible financing solutions that benefit your business with multifamily bridge loans. In any housing market there will always be a need for rentals. Approximately 31% of housing, or 43.9 million residences, is multifamily housing, according to the American Housing Survey and U.S. Census Bureau. Multifamily properties like apartment buildings and student housing can be a profitable option for real estate investors to consider. Multifamily buildings with five or more units can create positive cash flow for investors, especially when leveraging Wilshire Finance Partners’ creative and sage advice on value-add opportunities to create value.


What Is a Multifamily Bridge Loan and How Is It Structured?

Multifamily bridge loans provide financing for the purchase or renovation of multifamily real estate, such as an apartment building with five units or more. A multifamily bridge loan is a short-term or interim financing option, often used by borrowers until they secure permanent financing or sell off the underlying real estate. Multifamily bridge terms can vary depending on the loan type and lender. Wilshire Finance Partners multifamily bridge financing is from $500,000 to $10 million, up to 3 years.

Examples of transaction types:

  • Purchase/Acquisition
  • Renovation
  • Rate & Term Refinance
  • Cash-Out Refinance
  • Bridge-to-Permanent Financing


Wilshire Finance Partners Multifamily Bridge Loan Structure

Loan Amount $500,000 to $10,000,000
Term Up to 3 Years
Rate Fixed or Variable
Purpose Purchase, Rate and Term Refinance, Cash Out Refinance
Lien Position First or subordinate
Location Nationwide

When to Use a Multifamily Bridge Loan

When should you use a multifamily bridge loan? Wilshire’s nationwide bridge loan program is used for the purchase, rate and term refinance, or cash-out refinance of multifamily real estate. A bridge-to-permanent financing scenario (when you are taking a short-term bridge loan on your way to stabilization, then seeking permanent financing once stabilization is achieved) is a valuable option in any real estate investor’s toolkit, especially when time is of the essence. Knowing when to leverage short-term interim financing through a trusted financial partner can successfully keep your project on time and successful.

Use a bridge loan under the following circumstances:

  • Tight Timelines
  • Unstabilized Property 
  • Value-Add Opportunities
  • Special Situation Lending

Benefits of Multifamily Bridge Loans

  • Fast, Flexible Financing
  • Certainty of Execution
  • Easier to Obtain
  • Close in 30 days or less
  • Perfect for multifaceted transactions requiring expedited timeframes

While bank and agency-based loans offer permanent financing for some investors, there are many transactions where expedited timeframes are crucial to making the deal happen. Multifamily bridge loans provide fast financing and certainty of execution, especially when a transaction may fall outside of traditional lending parameters. For example, a multifamily investor seeking to acquire an apartment building may find themselves in a situation with multiple bidders and cannot afford to wait for permanent financing if they want to act fast. Bank or agency financing is not as nimble as a private credit bridge lender. A bridge lender can quickly expedite these requests and/or tailor the loan to meet the buyer’s needs.

Bridge loans are typically easier to obtain and can close faster than agency or bank loans. This is because bridge lending is not subject to the same market impacts and underwriting restrictions that agencies and banks have. Rules and regulations for traditional lenders ebb and flow with the economic tide. In an environment of economic uncertainty, like inflationary costs and talks of a recession, private, short-term capital sources, like bridge lenders, can fill gaps that traditional lenders cannot. The benefit a multifamily bridge loan lender brings to the table is the ability to provide quick and creative capital to keep your multifamily transaction moving forward and on track.


Wilshire Bridge Loans vs. Agency/Bank Multifamily Financing


Underwriting Timeframe

Minimum Amounts



120 days avg.

$1 million +

25 – 35 years

Wilshire Finance

15-45 days avg.


Up to 3 years

Build Your Bridge with the Best

Since 2008, Wilshire Finance Partners has specialized in multifamily real estate bridge financing delivering loans from $500,000 to $10 million with quick closing. If you have a multifamily deal you’d like to discuss, contact us at (866) 575-5070 today.

Frequently Asked Questions

Wilshire offers bridge and permanent loan solutions for the purchase and refinance of multifamily properties. 

Yes, Wilshire offers customized bridge and permanent financing for multifamily properties.

Yes, Wilshire works directly with all intermediates and ensures broker protection. 

Wilshire can close a loan in 15 to 45 days. 

Yes, Wilshire is a direct lender. The WFP Income Fund, LLC and The WFP Opportunity Fund, LLC are real estate debt funds and are the capital engine driving Wilshire’s bridge loan program.

Formed in 2008, Wilshire Finance Partners is a real estate debt fund manager that makes bridge loans secured by multifamily, commercial real estate, seniors housing facilities, and medical office buildings nationwide. Wilshire combines an entrepreneurial approach, institutional sophistication, and discretionary capital inside a boutique environment to deliver outstanding service to our origination partners and affiliates.


Real estate debt funds with discretionary capital to lend.


Experienced professionals representing various disciplines in real estate, banking and investments.


The team has funded and managed over $2 billion in commercial real estate loans.

Related Transactions

$3,016,000 | TEXAS
Student Housing

$3.16 M

Strategic Acquisition 

homeimg multifamily bridge loan 60 units, 100% Occupancy 

$1,365,000 | MICHIGAN


Core Plus Investment

homeimg multifamily bridge loan 32 units, 100% Occupancy 

(866) 575-5070

Wilshire Finance Partners, Inc.
2 Venture, Suite 430
Irvine, CA 92618

Monday - Friday
8:30am - 5:30pm (Pacific Standard Time)



Loans: The information contained on this website and the related communications are directed to real estate professionals only.  The information contained on this website and the related communications are not a loan approval, agreement or commitment to lend. The delivery or circulation of any attached documents is for discussion purposes only and Wilshire Finance Partners, Inc. may make substantial and material revisions to the same.  Rates and terms are subject to change without notice.  Loans made by Wilshire Finance Partners, Inc. California Department of Real Estate Broker License number 01523207 and California Department of Financial Protection and Innovation, Finance Lenders License number 603K729; WFP Income Fund, LLC, California Department of Financial Protection and Innovation, Finance Lenders License number 603K726; WFP Opportunity Fund, LLC California Department of Financial Protection and Innovation, Finance Lenders License number 603K725; or WFP Income Fund REIT, LLC, California Department of Financial Protection and Innovation Finance License number 60DBO-99184. •Equal Opportunity Housing Lender•

Investments: The information contained on this website and the related communications are not an offer to sell or the solicitation of offers to purchase the securities of the WFP Income Fund, LLC, the WFP Income Fund REIT, LLC, the WFP Opportunity Fund, LLC, loan or trust deed investments, participations or other securities offered by or through Wilshire Finance Partners, Inc. (individually and collectively, the “Securities”).  The purpose of this website and the related communications is to provide an overview of the respective Securities and their private placement. Persons interested in learning about the Securities and their private placement will be provided with the respective Private Placement Memorandum (inclusive of exhibits thereto and any supplements, the “Memorandum”), which provides a description of the Securities, the terms of their private placement, a discussion of risk factors, a copy of the limited liability company operating agreement for the respective fund (as applicable), a subscription agreement and other information related to the Securities.

This website and the related communications contain certain forward-looking statements regarding the Securities and the investment objectives and strategies of each of the Funds. The forward-looking statements are based on current expectations that involve numerous risks and uncertainties which are difficult or impossible to predict accurately and many of which are beyond the control of Wilshire, as the manager of the Funds. Although Wilshire believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate and, therefore, there can be no assurance that the forward-looking statements will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements, the inclusion of such information should not be regarded as a representation by Wilshire, any placement agent, or any other person, that the objectives and strategies of the respective Securities will be achieved.

Investments in the Securities may only be made solely by accredited investors (which for natural persons, are investors who meet certain minimum annual income or net worth threshold), who are provided with the Memorandum and who complete, execute and deliver the subscription documents included therein, and otherwise comply with the requirements contained therein.  Each of the Securities is being offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”) and are not required to comply with specific disclosure requirements that apply to registration under the Securities Act. Neither the Securities Exchange Commission nor any other state securities commission or agency has passed upon the merits of or given its approval to the Securities, the terms of the offering, or the accuracy or completeness of any offering materials. Each of the Securities is subject to legal restrictions on transfer and resale and investors should not assume they will be able to resell the Securities. Past performance is not indicative of future results. Investing in any of the Securities, including the Funds, involves substantial risk, including loss of investment, and is not suitable for all investors.

To the extent there is any inconsistency between the information provided in this website. The related communications and the Memorandum, the information contained in the Memorandum shall control.

Other Notices: Information provided by Wilshire Finance Partners, Inc., its affiliates and their respective directors, managers, officers, employees and agents is not to be interpreted as legal, tax or accounting advice.  Wilshire Finance Partners, Inc. is a debt collector and is required by law to inform you that this communication may be an attempt to collect a debt and any information obtained will be used for that purpose.  Wilshire Finance Partners®, Proven Professional Performance®, Stable Income & Principal Protection®, and The Alternative Solution® are registered trademarks of Wilshire Finance Partners, Inc. © 2021 Wilshire Finance Partners, Inc.  All rights reserved.


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