Commercial bridge loans for Colorado Springs acquisitions and repositioning.
Access equity or bridge a commercial asset before permanent financing, with terms up to 24 to 36 months and loans up to $10M. Colorado Springs' aerospace and defense cluster anchors demand for flex, small-bay industrial and secure office near Peterson Space Force Base and the Powers corridor. Space Command's headquarters is relocating to Huntsville on a phased schedule, but its Joint Operations Center stays in Colorado Springs, so mission-adjacent contractor space is not vacating on that timeline. Business-purpose only, and every structure is set in underwriting.
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
Use bridge capital to reposition an asset, buy out a partner, or stabilize before a refinance. We move quickly on commercial deals that banks find too time-sensitive. When the asset is stabilized, we refinance you out of the bridge and into long-term permanent debt, which we also place in house, so you have a clear exit from day one.
What's actually driving demand for flex, industrial and office space around Colorado Springs, and is it really aerospace and defense?
Yes, and the numbers back it up. The metro's aerospace, defense and cybersecurity cluster is described by the regional economic development corporation as more than 200 companies employing roughly 111,000 people, with over $10.2 billion of annual economic impact (a 2022 base-year figure). That cluster, concentrated around Peterson Space Force Base and the Powers Boulevard corridor, is the tenant base for small-bay industrial, flex and secure-office product in this metro, not a downtown office-tower story. No metro-level CRE vacancy, asking-rent or cap-rate data was available to size that demand precisely, so underwrite the tenant and the lease, not a market-average number nobody can verify yet.
Does the Space Command headquarters move to Huntsville change the commercial demand picture in Colorado Springs?
Not on the timeline that matters for a bridge deal today. The headquarters relocation to Huntsville, Alabama is real and underway, but it is phased through the early 2030s: as of mid-2026, roughly 100 of an estimated 1,700 to 1,800 headquarters staff have moved, and the permanent Huntsville facility is not expected complete until 2031. The Joint Operations Center, the command's principal control hub for worldwide military space operations, remains in Colorado Springs through that window. Space Command is also a four-figure employer inside a metro whose broader military and defense footprint runs to roughly 45,000 active-duty, Guard and Reserve plus about 15,000 federal civilians across five installations, so one headquarters relocation is not the whole demand story for mission-adjacent commercial space here.
If I'm financing a newer commercial building in Colorado Springs, do I need to worry about a metro district on top of property tax?
Yes, check the parcel before you underwrite it. Metropolitan districts under Colorado's Title 32 finance a subdivision's streets, utilities and drainage with bonds repaid by an extra mill levy layered on top of the county and city rate, and inside Colorado Springs city limits a commercial metro district can carry a debt-service mill levy up to 50 mills, plus up to 10 operating mills, versus a 30-mill debt cap on residential districts. City Council has approved exceedances of those caps in a few cases, so the cap is the norm, not a guarantee. Pull the parcel's actual mill levy from the El Paso County, Colorado Treasurer before you close, especially on anything built in the eastern growth corridor.
How does El Paso County, Colorado property tax work on a commercial bridge deal, compared to a residential loan?
The base mill stack is unusually small, but the assessment rate is much higher than on a house. El Paso County, Colorado levies 6.857 mills and the City of Colorado Springs levies about 3.009 mills, an unusually small municipal levy for a city this size, so most of a commercial bill still comes from the school district and any special district attached to the parcel. The real difference from a residential loan is the assessment rate: Colorado assesses non-residential property, including commercial real estate, at 27% of actual value for tax year 2025, well above the two residential rates near 7%. Real property is revalued in odd-numbered years, and El Paso County, Colorado runs the extended protest procedure, so the Assessor's Notice of Determination goes out by August 15 rather than in June. Talk to your CPA about how that timing affects a mid-year acquisition.
Does Colorado's usury law limit the points and fees on a commercial bridge loan here?
There's a hard ceiling, and it applies to business loans too. Colorado's civil usury statute lets parties contract in writing for any rate up to 45% per year, and the criminal usury statute makes it a felony to knowingly charge a loan finance charge above a 45% annual percentage rate, with no business-purpose carve-out. Normal private commercial lending pricing sits well below that ceiling, but points, origination fees, extension fees and default interest can all count toward the finance-charge calculation on a short-term loan, and no Colorado case law on which specific fee types count toward that 45% figure on a commercial loan was available to cite. Structure the fee stack with your closing attorney, not against a rule of thumb.
Is there local vacancy or cap-rate data to size a Colorado Springs bridge deal against?
Not from a source we'd publish, so this page doesn't invent one. No metro-level commercial vacancy rate, asking-rent series or cap-rate data for Colorado Springs was available to cite, in any asset class, so treat any specific figure you see elsewhere as unverified until you check it yourself. What is sourced: the metro's public-trustee foreclosure process gives a lender a clean, statutory 110 to 125 day window from a notice of election and demand to sale, with a mandatory but limited Rule 120 court check and redemption rights that reach only junior lienors, not the owner. That matters on a bridge file because it caps how long a worst-case exit takes if a deal goes sideways, even without a market-average number to lean on.
How much equity do I need in a Colorado Springs commercial building to bridge it?
About 25%. We lend up to 75% LTV on a bridge file, so on a $2,000,000 Colorado Springs property that is up to $1,500,000 from us (2,000,000 x 75% = 1,500,000), interest-only, as either a bridge or a cash-out. There is no published metro-level cap rate or vacancy series to lean on here, so the tenant and the lease drive the value we underwrite to, not a market average. Subject to underwriting.
My credit took a hit. Can I still bridge a Colorado Springs commercial deal?
Usually yes. We run credit, but a commercial bridge is an asset-based loan and there is no minimum score. A weak file is normally handled with lower leverage against the 75% ceiling instead of a decline, and there is no hard credit pull to open the conversation. No W-2s or tax returns either: the property and your equity carry it. Subject to underwriting.
What size commercial deals fit a Colorado Springs bridge loan?
Up to $10M, on terms up to 24 to 36 months. That range covers the small-bay industrial, flex and secure-office product the aerospace and defense cluster around Peterson Space Force Base and the Powers Boulevard corridor actually occupies, which is the tenant base in this metro rather than a downtown office tower. Interest-only throughout. Subject to underwriting.
More CRE Bridge questions, answered on the program page
Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.
Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-15.
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