Bridge & Mezzanine Finance


Through IBS Institutional Capital, IBS Investment Bank offers its bridge loan program to experienced sponsors that need more time to execute their exit strategy or permanent financing. Our program is designed to provide the elasticity of a structured loan while offering the option to secure the most favorable permanent financing that exists for individual business needs. The IBS Bridge Program offers commercial real estate investors the opportunity to leverage short-term financing benefits without compromising their equity or long-term ROI, making your financial transition seamless.


General parameters include:

Loan Amount
$5,000,000 minimum

Loan Term
Generally 1 to 3 years
Extension options available

Determined on a case-by-case basis

Minimum DSCR
0.90 “As Is”
1.20 – 1.25 at exit
Waving DSCRs requirements are considered if payment is supported by pre-funded interest reserves.

Up to 75%


75% as measured by new cash equity in the transaction

Interest Rate
Floating rate over LIBOR index Spread varies based on risk and terms

Standard carve-outs

Eligible Property

Multifamily, office, retail, industrial, hospitality, and student housing projects located in strong markets with positive demographic, population, and employment trends

Established track record and verifiable liquidity corresponding with the transaction


First mortgage lien on subject property with limited recourse

Tax and Insurance Escrows
Monthly deposits required

Replacement Reserves
Monthly deposits required

Typically permitted


Learn more about our nation-leading investment real estate lending programs by downloading our brochures and guides and visiting the links below. Reach out to a Relationship Manager for more information:


Small Balance Commercial

Conventional Commercial Finance

IBS Power Broker Program

Contact Us

IBS Family of Companies


Downtown W. Palm Beach

Mailing and Appointments

515 N. Flagler Drive

Floor 300 | Suite 448

W. Palm Beach, FL 33401


Palm Beach Exec. Office 

IBS Equity Fund & IBS Real Estate Investment Co.

1500 Corproate Center Way

Suite 102

Wellington, FL 33414


Trade Finance- CFS  

2021 Tyler Street 

Suite 208

Hollywood, Florida 33020



Phone: +1 954 889-5827



Or use our contact form.

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