Bridge & Mezzanine Finance


IBS, N.A. 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, N.A. 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 considered if payment 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 via the links below and reach out to a Relationship Manager for more information:


Small Balance Commercial

Conventional Commercial Finance

IBS Power Broker Program

IBS CRE Finance Brochure
Learn why thousands of CRE Owners, Operators & Lenders trust IBS as their sole provider of real estate capital.
IBS CRE Finance Brochure 11-2018 .pdf
Adobe Acrobat document [2.5 MB]

Contact Us

Institutional Banking Services, N.A. CORP


Fort Lauderdale Office

Mailing and Appointments

401 E Las Olas Blvd

Suite 1400

Fort Lauderdale, FL 33301


West Palm Beach Office 

The Wagg Building 

215 South Olive Ave

Suite 201

W.Palm Beach, FL 33401


Wellington Office

Executive Office

12161 Ken Adams Way

Wellington FL, 33414


Capital Funding Solutions Office

2021 Tyler Street 

Suite 208

Hollywood, Florida 33020



Phone: +1 954 889-5827



Or use our contact form.

Expert Advice & Guidance

Life is full of surprises. Rely on our Relationship Managers and network of Attorney's, CPA's, Real Estate Brokers and Insurance Agents to provide you with sound financial advice that won't leave you scratching your head. We'll explain your options in uncomplicated terms. 


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