Small balance is a size band, not a compromise. The card covers SFR 1-4, multifamily, mixed-use, industrial, retail, medical and owner-occupied office in a single program, which is unusual: most lenders make a borrower pick a lane and then price the lane. Here the published numbers hold across the band, at up to 75% LTV on residential and 70% on commercial, loans to $25,000,000 and terms of one or two years, with rates from 9.00% to 13.00%.
The asset band is the reason this structure exists alongside the flagship bridge loan. The flagship reads residential property; this one reads the value-add multifamily or the half-empty retail strip that has to be bought, repositioned, leased and refinanced inside the term. The published use cases are property purchases, cash-out refinancing, ground-up projects and light renovations, and the card lists money for post-close rehab work where the deal calls for it.
The card is also explicit about creativity, naming cross collateralization and earn outs as tools that are on the table. That is a structuring statement rather than a pricing one: when a single asset will not carry the leverage a borrower needs, a second one can be pledged, and when value is contingent on something happening after close, the funding can be staged against it. The credit floor is 650 and occupancy is non owner occupied.
The Small Balance Bridge provides flexible financing for transactions up to $25 million across a wide range of asset classes, including SFR 1-4, multifamily, mixed-use, industrial, retail, medical, and owner-occupied office. Ideal for property purchases, cash-out refinancing, ground-up projects, and light renovations.
Loan Goat, on small balance bridge loans
