With over $1.3 trillion in US commercial real estate loans maturing in 2025–2026 and banks tightening credit, global investors need a new model. America Mortgages and GMG deliver it — from Singapore, the financial capital of Asia, with onshore and offshore capital that no domestic lender can access.
Market Alert 2025–2026:
Over $1.3 trillion in US commercial real estate loans are scheduled to mature — and bank credit is tightening. Fast, flexible bridge financing from global capital sources is now the primary solution.
Commercial real estate investors have always understood something that homebuyers rarely encounter: the moment a significant deal requires capital, conventional financing is almost never fast enough, flexible enough, or structurally capable enough to close it. Banks take 60–90 days. Their credit committees are designed for stabilised, income-producing assets with clean, domestic-source financial histories. They are not designed for:
- Hotel portfolios requiring fast equity release across multiple assets
- Development sites being acquired ahead of long-term construction financing
- Foreign national investors holding US commercial real estate with no SSN
- Maturing commercial loans that cannot be refinanced through the same conventional channel
- Distressed commercial assets where timing is the entire value proposition
These are precisely the transaction profiles that America Mortgages and Global Mortgage Group (GMG) were built to finance — at speed, at scale, and with global capital that the US domestic market simply cannot match.
MARKET SIGNAL · 2025–2026
$1.3 Trillion+
In US commercial real estate loans scheduled to mature in 2025 and 2026. With conventional bank credit tightening and alternative lending platforms growing, the commercial bridge loan has become the primary capital tool for investors navigating this maturity wave, particularly for foreign nationals, HNW individuals, and globally structured borrowers whose wealth doesn’t fit the bank’s documentation framework.
What Is a Commercial Real Estate Bridge Loan?
A commercial real estate bridge loan is short-term financing — typically 12 to 36 months — secured by a commercial property asset. Like all asset-based bridge loans, the underwriting centres on the property value and a viable exit strategy rather than the borrower’s personal income, employment history, or domestic credit profile.
The “bridge” refers to the gap the loan spans. This might be the time between acquiring a development site and securing construction financing. The period between purchasing a distressed commercial asset and completing a renovation that qualifies it for long-term DSCR financing. The window between a maturing commercial loan and a refinance that isn’t yet possible. Or simply the time needed to release equity from a high-value commercial holding without selling the asset.
For all of these scenarios, America Mortgages and GMG offer a single unified solution: asset-based commercial bridge financing from global capital — faster, more flexible, and more globally accessible than any domestic US commercial lender.
Commercial Asset Types: What We Finance
Hospitality & Hotels
Single hotel assets, branded portfolios, boutique hospitality, resorts, and serviced apartments. Landmark transaction: $112M hotel portfolio bridge loan, Thailand.
Office
Class A, B, and C office buildings. Repositioning, lease-up, and acquisition bridge loans across US gateway cities and globally.
Retail & Mixed-Use
Retail strips, anchored retail centres, mixed-use commercial-residential, and urban retail assets requiring fast capital or equity release.
Development Sites & Land
Pre-development land acquisition, entitlement-phase bridge, and construction bridge for residential, commercial, and mixed-use developments.
Multifamily & Apartments
Bridge financing for apartment buildings, multifamily assets undergoing value-add, and portfolio equity release for foreign-national owners.
Industrial & Specialist
Industrial assets, data centres, healthcare real estate, self-storage, and other specialist commercial property types.
When Commercial Investors Need Bridge Financing
Maturing Commercial Loan — Refinance Not Yet Possible
A commercial property loan matures but the permanent refinance requires 3 more months of stabilised occupancy. A bridge loan buys the time. America Mortgages closes in 14–21 days versus the 90+ days a bank would require.
Distressed CRE Acquisition at Below-Market Price
A distressed office building or hotel comes to market at 30% below replacement value. The window to close is 30 days. A commercial bridge loan from America Mortgages provides certainty of close and fast capital deployment.
Foreign National Developer Acquiring US Land
An international developer is acquiring a US development site. No SSN. No US credit history. Income from offshore sources. Bank financing is unavailable. America Mortgages underwrites on the land value and development plan exit.
Hotel Portfolio Equity Release
A hotel operator needs to release equity across multiple assets without selling. The $112M Thailand hotel bridge demonstrates GMG’s capacity for portfolio-level hospitality financing at institutional scale — globally.
Value-Add Repositioning Bridge
A multifamily or office asset is being repositioned. During the lease-up period, the asset doesn’t qualify for conventional financing. A commercial bridge holds the position until stabilisation.
Cross-Border 1031 Exchange Timing Gap
An international investor is executing a 1031 exchange but the replacement property identification and acquisition timeline creates a capital gap. America Mortgages bridges the gap without disrupting the exchange.
Landmark Transaction: $112M Hotel Portfolio Bridge Loan — Thailand
$112 Million Bridge Loan Secured Against Hotel Portfolio — Thailand
Global Mortgage Group recently closed one of the largest cross-border hospitality bridge loans in Southeast Asian market history: a $112 million facility secured against a group of hotel assets in Thailand. This transaction required a lender with capital depth for institutional-scale hospitality financing, cross-border expertise navigating Thai corporate and legal structures, multi-source capital architecture capable of competitive pricing at this loan size, and the Singapore-based institutional relationships that made offshore capital available at terms no single domestic Thai or regional lender could provide.
GMG delivered — demonstrating conclusively that the firm’s global bridge lending capability extends far beyond US residential assets into large-scale commercial, hospitality, and portfolio-level transactions across Asia and globally.
$112,000,000
Hotel Portfolio
Thailand
Multi-Source
Whether your wealth is generated in Shanghai, structured in Geneva, or deployed in Los Angeles — or in the case of our Thailand hotel portfolio, structured across multiple South Asian holding vehicles — our asset-based lending platform connects global capital to global real estate. The capital doesn’t care about geography. Neither do we.
— Robert Chadwick, CEO, America Mortgages & Global Mortgage Group
Why Global Capital From Singapore Outperforms US Commercial Bridge Lenders
The commercial real estate bridge lending market in the US is dominated by domestic private equity funds, debt funds, and single-source capital providers. These lenders share two structural limitations that become critical disadvantages at the $10M, $30M, $75M, and $112M levels:
Single capital source: A domestic US commercial bridge lender typically draws from one capital pool — a private fund or debt vehicle with fixed capacity, a fixed margin floor, and a single approval committee. At scale, this limits loan size, constrains pricing, and creates execution uncertainty.
No international framework: The domestic hard money and commercial bridge market was built for US-based borrowers with US-source income. Foreign nationals, globally mobile HNW individuals, international developers, and cross-border investors are treated as exceptions — and often simply declined.
America Mortgages and GMG resolve both limitations simultaneously. Our Singapore headquarters provides direct access to Asian institutional capital pools, European private banking relationships, and US debt funds — all accessed simultaneously for any given commercial bridge transaction. The result is genuine pricing competition across capital sources, institutional-scale capacity, and a borrower framework built from day one for the international investor profile.
Commercial Bridge Loan Parameters
- Minimum loan amount: $3,000,000 (US commercial); $1,000,000 (US residential)
- Maximum: No stated limit — $112M+ funded
- LTV: Up to 65% standard; up to 70% for qualifying assets
- Loan term: 12–36 months; interest-only structures available
- Interest rates: 9%–15% depending on asset class, LTV, location, and term; single-digit available for premium assets
- Close timeline: 14–21 business days (US commercial); 14–28 days (international)
- SSN: Not required for foreign nationals
- US tax returns: Not required
- US credit: Not required
- Asset types: Office, retail, hotel, multifamily, mixed-use, industrial, land, development
- Geographies: US, Singapore, Australia, UK, Thailand, and global
Frequently Asked Questions
Q1: What is the minimum commercial bridge loan amount?
A: The minimum for US commercial bridge loans through America Mortgages is $3,000,000. There is no stated maximum — the firm closed a $112 million commercial bridge loan against a hotel portfolio in Thailand, with full capability for US commercial transactions at institutional scale.
Q2: Can foreign nationals get commercial bridge loans for US real estate?
A: Yes. This is a core speciality. No US SSN, no US tax returns, no US credit history required. Commercial bridge loans for foreign nationals and non-resident investors are underwritten on the property value, the business plan, and the exit strategy.
Q3: How does a commercial bridge loan exit strategy work?
A: The exit strategy for a commercial bridge loan is how the loan gets repaid at maturity. Common exits include: refinance to permanent DSCR or long-term investment mortgage, sale of the property, completion of development and conventional construction financing, or proceeds from a business transaction. America Mortgages confirms a viable exit before every commercial bridge closes.
Q4: Do you fund commercial bridge loans outside the US?
A: Yes. GMG funds commercial bridge loans in Singapore, Australia, the UK, Thailand, and expanding global markets. The $112 million Thailand hotel portfolio bridge is the clearest demonstration of this international commercial capability.
Q5: What’s the difference between a commercial bridge loan and a construction loan?
A: A commercial bridge loan provides fast, short-term capital against an existing asset’s current value. A construction loan is specifically structured around building costs, draw schedules, and after-construction value. GMG provides both, and can bridge a development site acquisition ahead of a formal construction loan, which is one of the most common use cases in the pre-development phase.
Q6: How competitive are commercial bridge loan rates from America Mortgages versus domestic lenders?
A: More competitive for most qualifying transactions, particularly above $10 million. America Mortgages’ multi-source global capital model means rates reflect competition across multiple funding pools rather than a single domestic fund’s margin floor. For premium assets at lower LTVs, this advantage is most pronounced.
Commercial Bridge Loan Terms in 24 Hours
Tell us your asset type, location, loan amount, and exit strategy. We structure and price within 24 hours, and close in 14–21 days for qualifying US commercial transactions.
AmericaMortgages.com | GMG.asia
US: +1 830-217-6608
Singapore: +65 8430-1541
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