Commercial Loan Programs
Bridge Loans, Private Money Loans, and Small Farm Loans — three fast, asset-based financing programs built for deals that fall outside conventional bank underwriting criteria.
The Programs
Each program is built for a different kind of deal — not a different tier of borrower.
Short-term bridge financing that closes the gap between where you are and where you need to be — funded quickly and underwritten on collateral value and a clear exit strategy.
Best for: Closing on a new property before your current one sells, or securing a time-sensitive acquisition before permanent financing is arranged.
Funded by private lenders and investment funds, not banks. Asset-based underwriting focused on property value and loan-to-value (LTV) — enabling faster approvals and more flexible terms.
Best for: Fix-and-flip projects, distressed or unconventional properties, and time-sensitive acquisitions where speed matters more than the lowest rate.
Financing for agricultural and rural properties — land acquisition, farm operations, equipment, and improvements — sized for small and mid-sized farm operations that may not fit standard ag bank programs.
Best for: Small farm or ranch purchases, agricultural land acquisition, and operating needs for farm owners who don't fit standard ag lending programs.
Not sure which program fits your deal? Talk to a loan officer.
Actual terms, rates, and loan-to-value (LTV) ratios vary by lender, property, and deal structure. All figures shown are representative ranges only.
Eligible Properties
Eligibility depends on the deal and the program, not just the property category — if your property isn't listed below, reach out and we'll evaluate it directly.
Don't see your property type? Bridge, private money, and small farm programs are evaluated deal by deal — talk to a loan officer.
Our Approach
We evaluate the property, the plan, and the exit strategy — not a standardized income checklist. If the collateral is sound, the conversation starts there.
When timing is the deciding factor, we move. Our programs are structured to close quickly — without the documentation delays that slow conventional lenders down.
Bridge, private money, and small farm financing — all under one roof. No bouncing between specialists or starting over every time your deal evolves.
The Process
Share the property details, timeline, and what you're trying to accomplish. The more context you give, the better we can match you.
A loan officer reviews your deal and identifies whether bridge financing, private money, or a small farm loan is the right fit.
We structure the terms around your exit strategy and get you to closing — so you can execute on the deal while the timing still works.
Borrower Profiles
Private money and bridge financing for acquisitions, renovations, and quick resales where conventional loan timelines don't work.
Bridge financing that lets you move forward on the new property without waiting for your existing sale to close first.
Agricultural property financing for land purchases, operational capital, and improvements — reviewed on farm viability, not a standard bank checklist.
Short-term, interest-only bridge and private money financing to fund construction phases, land holds, and project transitions.
When a commercial property or business opportunity has a hard deadline, asset-based underwriting can close the deal faster than a bank review cycle allows.
Self-employed, variable income, or unconventional property types — if the collateral and plan are solid, non-conventional documentation isn't a disqualifier here.
Bridge Loans, Private Money Loans, and Small Farm Loans — fast, asset-based financing for deals where the collateral and the plan matter more than a standardized checklist.
A traditional mortgage is a long-term loan — typically 15 or 30 years — designed for borrowers with stable income who plan to hold a property. A bridge loan is short-term (commonly 6–24 months), often interest-only, and designed to close a specific gap: for example, securing a new property before your current one sells, or locking in a time-sensitive acquisition while you arrange permanent financing. Bridge financing is underwritten primarily on the value of the collateral and a clear exit strategy — sale or refinance — rather than a lengthy income documentation process.
Private money loans are funded by private individuals, investment funds, or non-bank lenders — not a traditional bank. "Asset-based" underwriting means the primary evaluation focuses on the property's value and the loan-to-value (LTV) ratio rather than a full review of the borrower's income documentation and credit history in the way a conventional lender would. This approach allows for faster approvals and more flexibility, making private money well-suited for fix-and-flip projects, distressed or unconventional properties, and situations where speed matters. In the industry these are sometimes called "hard money" loans — private money is the preferred term, but the structure is similar.
Small farm loans can cover a range of agricultural and rural financing needs: land acquisition, farm and ranch purchase, operational capital for planting seasons or livestock, equipment financing, and improvements to existing agricultural properties. These loans are sized for small to mid-sized farm operations that may not qualify for standard agricultural bank programs — underwriting typically considers land value, farm income, and the overall viability of the operation, often through a more relationship-based, manually underwritten review process.
Bridge and private money loans are designed to move quickly — many close within days to a few weeks depending on the complexity of the deal and how fast the borrower can provide the necessary information. Because underwriting is asset-based rather than income-document-heavy, there's less waiting on third-party reviews. Small farm loans may take longer due to land surveys, agricultural appraisals, and title review for rural properties, but the process is still typically faster and more flexible than conventional ag lending programs. Exact timelines depend on the deal structure and the borrower's responsiveness.
The most important things to have ready are: a clear description of the property (location, type, estimated value), the loan amount you need and your intended use of proceeds, and — especially for bridge and private money loans — a defined exit strategy (are you planning to sell, refinance, or pay off from another source?). For small farm loans, details about the operation, the land, and how the loan fits the farm's financial picture will help. You don't need everything documented upfront to start a conversation — a loan officer can help you identify what's needed as the review progresses.
Eligible collateral spans income-producing commercial real estate (apartments, retail, office, industrial, hospitality, and more) as well as agricultural and farm land, depending on the program. Eligibility is evaluated deal by deal.
Mortgage Wholesale provides commercial financing across Bridge, Private Money, and Small Farm Loan programs. Rates, terms, and loan-to-value are evaluated deal by deal and vary by lender, property, and borrower profile. This is not a commitment to lend.
Mortgage Wholesale | NMLS #380097 | Equal Housing Lender
Borrower Stories
"We found our next property but our current home hadn't sold yet. The bridge loan let us close on the new place without losing it to another buyer. The process was straightforward and they moved fast — exactly what we needed."
Michael T.
Bridge Loan Borrower
"I had a fix-and-flip under contract with a 10-day close window. No bank was going to touch that timeline. The private money loan came through in nine days — property funded, project started. That's the only kind of lender that works for what I do."
Rachel K.
Private Money Borrower
"We were trying to buy 80 acres adjoining our existing farm. Two ag banks passed because the parcel was too small for their minimums. This team understood the operation, looked at the full picture, and got us the land loan. Can't recommend them enough."
Dale H.
Small Farm Loan Borrower
Let's Talk About Your Deal
Tell us about your deal — the property, the timeline, and what you're trying to accomplish. A loan officer will review your situation and point you toward the right program.