🚀 Case Study: $4.5M Mixed-Use Acquisition—Closed in 14 Days

Our client, a seasoned commercial real estate investor with a strong portfolio, was under contract to acquire a $6.2 Million mixed-use retail and multi-family property in a fast-growing metropolitan area. The asset was highly coveted, and the contract stipulated a firm closing deadline.

Two weeks before closing, the original commitment from a large regional bank fell through due to internal underwriting changes. The investor was suddenly facing the loss of a significant earnest money deposit and a potential lawsuit for defaulting on the purchase agreement. They needed $4.5 Million in funding—and they needed it with absolute certainty and blinding speed.

We recognized this was a classic scenario where bank bureaucracy kills good deals. Our response focused on immediate, asset-based solutions: Bridge Financing.

1. Immediate Advisory: We acted as strategic advisors, instructing the client to provide all existing due diligence materials (appraisal, environmental report, rent roll) immediately to bypass time-consuming re-ordering.
2. Direct Capital Placement: We did not shop the deal to a dozen banks. Instead, we presented the opportunity directly to a vetted private fund manager within our national network who specializes in rapid closings on transitional mixed-use assets. This bypassed the typical bank loan committee process entirely.
3. Focus on the Asset: The loan was underwritten primarily on the asset's strong value and the client’s clear plan for stabilization and eventual refinancing. This allowed us to compress the underwriting timeline from 45 days to less than 14 days.
4. Expedited Closing: Our team coordinated all parties—lender, title, and legal counsel—to prioritize the transaction, eliminating administrative delays.

BCF Commercial Capital successfully structured and funded the full $4.5 Million Bridge Loan in just 14 calendar days.

The investor achieved the following critical outcomes:

• Contract Saved: The deal closed one week ahead of the original deadline, saving the earnest money and preserving the investor's reputation.
• Asset Acquired: The investor secured the high-yield property, which is now a foundational piece of their portfolio.
• Next Phase Planned: The Bridge Loan was structured with flexible terms, allowing the investor to immediately begin the value-add strategy necessary for a seamless, low-cost refinance into a permanent, fixed-rate CMBS loan (which BCF is already preparing) within 18 months.

This case study demonstrates the power of pairing BCF’s deep banking expertise with direct access to fast, non-bank capital when execution matters most.