Amounts, terms and timelines are typical ranges for complete files, subject to underwriting and lender approval.
Compare all programsEducational content only, not a commitment to lend, and not tax, legal or accounting advice.
Browse the AcademyThis is short-term, payoff-only bridge financing for commercial and investment property in default, litigation, bankruptcy, or approaching a scheduled sale. The first review is built around the facts that matter now: value, payoff, liens, deadline, property performance, and a credible exit.
A workable rescue generally has three things: enough verified collateral support to retire the required obligations, enough time to complete diligence and closing, and a plausible way to repay the bridge within 24 months.
Proceeds are limited to verified payoff obligations. This is not a cash-out facility. If the required payoff is above the collateral limit, underwriting will identify the gap; it may require additional collateral, a negotiated payoff reduction, or another documented source of funds.
A complete first review is narrow by design. It should answer whether the matter is financeable before the parties spend time assembling a full closing file.
| Review area | Evidence considered | Question being answered |
|---|---|---|
| Collateral | Current market value, property type, occupancy, rent roll, and condition | Whether the property supports the requested payoff at an acceptable leverage |
| Debt | Written payoff, per-diem, taxes, judgments, and subordinate liens | The full amount that must be paid or resolved for the required lien position |
| Deadline | Sale date, complaint, docket, bankruptcy status, hearings, and required approvals | Whether there is enough executable time to underwrite and close |
| Operations | T-12, current rent, arrears, major expenses, and stabilization plan | Whether the property can carry the interim payment and operating obligations |
| Exit | Sale engagement, takeout path, partner capital, and supporting milestones | How and when the bridge is expected to be repaid |
The calculator in the intake uses the program's 75% preliminary LTV ceiling. It does not substitute for an appraisal or credit decision, and the approved amount can be lower after property, cash-flow, title, lien, and legal review.
The first package is intentionally short. Attorneys and brokers can open a matter without an account or upload, then add documents through the secure link sent after submission.
Target response: 24–48 hours after a sufficiently complete, qualifying package is received.
Shows principal, arrears, default interest, legal charges, per-diem, and the good-through date.
Establishes in-place revenue, vacancies, lease expirations, and tenant arrears.
Shows actual property income and expenses, not a pro forma.
Confirms the legal posture, parties, deadlines, and approvals that may control closing.
Provides an initial value reference; underwriting may still require an independent appraisal.
A signed listing agreement, credible pricing, a defined marketing period, and enough net proceeds to retire the bridge.
A specific stabilization plan for occupancy, income, expenses, credit, or legal issues, followed by a takeout sized to the expected stabilized value and debt service.
Identified capital, documented source of funds, decision authority, and timing that does not depend on an open-ended raise.
Depending on the case, a consensual extension, forbearance, discounted payoff, sale, deed-in-lieu, receivership strategy, or bankruptcy process may preserve more value or carry less execution risk. Qualified Commercial evaluates financing; the owner and counsel should decide the legal and strategic path.
Submit the property, payoff, liens, deadline, and exit. Underwriting can see the matter immediately.
Upload the payoff, property operations, court record, and available valuation.
The desk tests leverage, payment, lien position, timing, and exit before issuing terms.
Title, appraisal, insurance, entity authority, legal conditions, and payoff coordination move together.
Approved proceeds are directed to the verified obligations required for closing.
No. It creates a financing file only. It does not create a stay, forbearance, court order, or lender agreement.
No. It is the fixed annual note rate. APR and total cost depend on fees, third-party charges, reserves, timing, and the final structure.
Not under this payoff-only program. Separate capital may be evaluated after the foreclosure is resolved, but no future financing is guaranteed.
No. It is the maximum preliminary collateral screen. Property type, condition, cash flow, title, legal posture, marketability, and exit risk can produce a lower approved amount.
Yes, including Subchapter V matters, but the debtor and counsel remain responsible for required court authority, notices, consents, and compliance with the bankruptcy process.
Attorney- and broker-referred files are contact-suppressed. QC communicates through the referring professional unless matter-specific authorization is separately recorded.
Receipt of a sufficiently complete, qualifying initial package—not the first incomplete form submission.
No. A later refinance is a new credit decision based on the property, income, leverage, credit, market, and available programs at that time.
No account or document upload is required to create the file. After submission, the referring party receives a secure resume link and document room.
A proposed refinance does not halt litigation or a scheduled sale. Only a lender agreement, completed payoff, court order, bankruptcy stay where applicable, or another legally effective action can change enforcement. Commercial foreclosure remedies, notice requirements, redemption rights, receivership, guaranty exposure, and bankruptcy procedure vary by jurisdiction. Qualified Commercial does not provide legal, bankruptcy, tax, or accounting advice.
Program content reviewed September 13, 2026. Verify current law and matter-specific deadlines with qualified local counsel.
