Your bridge loan matures this year. Your lender already knows. Do you have your exit?
Thousands of bridge and balloon loans written in 2023–2024 are hitting their maturity walls right now. The owners who come out ahead line up their exit before the payoff letter arrives — not after.
5-minute intake. No upfront fees. No funding, no fee.
The maturity wall, in one paragraph
You took a bridge loan because it was fast and the plan was clear: stabilize, then sell or refinance. Then rates moved, the sale didn't happen on schedule, or the refi you were promised tightened up. Now the balloon date is on the calendar and your options narrow every month you wait. This isn't a credit problem — it's a timing problem. And timing problems are solvable while there's still runway.
A 6-month extension isn't a plan
A typical extension runs 1–2 points plus a rate bump. On a $1.3M balance, that's $13,000–$26,000 to buy six months — and at the end of it you're facing the exact same wall with less leverage. Compare that to putting the same six months into a real exit: a refinance that pays off the balloon, clears any accrued arrears, and puts the property on a payment you can hold.
There are only three ways off a maturing bridge
Refinance to DSCR / long-term debt
Best when the property is stabilized and cash-flowing. Qualification on the property's income, not your tax returns. The clean exit.
New bridge
Best when the value-add story is still in motion or credit and seasoning block long-term money today. Buys 12–36 months at honest terms, including asset-based lenders who look at the real estate first.
Sell
Sometimes the right answer. If the numbers say sell, we'll tell you. We only get paid when a loan funds.
Banks said no. That's not the whole market.
Our network includes asset-based and equity-driven lenders who fund maturing-bridge payoffs banks won't touch: sub-600 credit profiles, DSCR under 1.0 at today's rates, delinquent taxes cleared at close, partnership restructures. The structure matters more than the score. If there's real equity in the property, there's usually a path.
From balloon panic to term sheet — three steps
Complete the intake (5 minutes)
Property, balance, maturity date, the story.
Preliminary review within 24–48 hours
We pressure-test the deal the way a lender will.
Lender match and execution
Matched across a 293+ lender network. Paid only on success.
Case Example
20-unit multifamily, appraised at $2M, balloon due in December, delinquent taxes stacked on top. Bank refi: declined on credit. Our path: an asset-based bridge at 65% LTV — pays off the balloon, clears the taxes at close, returns cash to the owner, with a conventional refi exit mapped for month 12–18. The deadline didn't change. The outcome did.
Details representative of active engagements; identifying information withheld.
Time-Sensitive