By Chady Zahri, Chief Executive Officer · Updated April 1, 2026

Voxen insight

The commercial real estate market rewards speed. Properties go under contract in days, not weeks. The buyer who can close in 10 days beats the buyer who needs 60 days for bank financing — even if the bank buyer offers a higher price. Bridge financing is not just about the rate; it is about winning the deal.

Types of Commercial Real Estate Loans

Bridge loans provide short-term capital for acquisitions or renovations (6–24 months). Permanent financing offers long-term mortgages at fixed or variable rates. Development financing funds construction and land acquisition for new projects.

Bridge Loans: When Speed Matters

Bridge loans close in 5–10 business days — far faster than traditional commercial mortgages. They are ideal for auction purchases, time-sensitive acquisitions, or refinancing when your permanent financing is still in process.

How Much Can You Borrow?

Commercial real estate loans typically range from $30K to $25M with loan-to-value ratios up to 80%. The property itself serves as collateral. Interest-only payment options are available during development or renovation periods.

Voxen Real Estate Lending

Voxen Capital offers commercial real estate financing from $30K to $25M. Bridge and permanent financing with competitive rates. Interest-only options available. Approval in 5–10 business days.

What to do next

Need to close on a property fast? Voxen offers commercial real estate financing from $100K to $25M with approval in 5-10 business days.

Frequently asked questions

What is the difference between a bridge loan and a commercial mortgage?

Bridge loans are short-term (6-24 months), close quickly (5-10 days), and carry higher rates. Commercial mortgages are long-term (5-25 years), take 30-90 days to close, and have lower rates. Many buyers use a bridge loan to acquire the property, then refinance into a permanent mortgage.

What loan-to-value ratio can I get?

Commercial real estate loans typically offer up to 80% LTV. This means you need a 20% down payment or equity position. Bridge loans may go up to 75% LTV for faster closings.

Can I get interest-only payments?

Yes. Bridge loans and development financing often offer interest-only payment periods. This reduces cash flow burden during renovation or lease-up periods.

Related

• Chady Zahri — Chief Executive Officer
• How to Finance a Business Acquisition in Canada
• Business Line of Credit: How It Works and When You Need One
• Small Business Loans in Canada: The Complete Guide
• Business Debt Consolidation: Simplify Payments and Reduce Costs
• Business Line of Credit up to $1,000,000
• Business Term Loans for Canadian SMBs
• Invoice Factoring for Canadian Businesses

Start an application · Talk to an advisor