Sarasota commercial bridge loans, from acquisition through lease-up.
Access equity or finance a project before permanent financing. Flexible commercial bridge across property types, with terms up to 24-36 months and loan sizes up to $10M. Sarasota and Manatee property runs on tourism, health care, retiree in-migration and SeaPort Manatee's industrial reach at the north end. 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 drives commercial property demand in Sarasota and Manatee counties?
Health care, tourism and hospitality, and industrial capacity at SeaPort Manatee. Education and health services reached 52,600 metro jobs in June 2026, up 4.4 percent year over year, the fastest-growing of the metro's large sectors, and Sarasota Memorial Health Care System describes itself as the region's largest employer at nearly 11,000 employees. Leisure and hospitality added 49,900 jobs in the same month, up 0.6 percent. At the metro's north end, SeaPort Manatee logged an all-time-high 11,855,828 tons of throughput in fiscal 2025, a record over fiscal 2024's 11,779,601 tons, and the port cites no local property tax support. We don't have published Sarasota-Manatee office, industrial, retail or multifamily vacancy, absorption or cap rate data to hand you, so we underwrite the asset's actual rent roll and leases. See the CRE bridge program for structure.
Does Florida's foreclosure process change how a Sarasota commercial bridge loan is priced?
Yes, and Sarasota and Manatee also sit in one of the state's less litigious regions, which helps the other side of the file. Florida is a judicial foreclosure state statewide, commercial included, materially slower than a non-judicial state like Texas, and that remedy timeline is priced into the terms. On the legal-friction side, Florida's insurance regulator groups Sarasota and Manatee into the "All Other Counties" region, where 8.16 percent of closed property claims were litigated in the regulator's calendar 2025 data, against 27.27 percent in the Palm Beach, Broward and Miami-Dade region. That's the least litigious third of the state, part of why premiums here run below South Florida's despite comparable coastal wind exposure.
What are Manatee County's development costs for a commercial build or major renovation?
Published to the dollar, and worth pricing into the deal before you close. Manatee County's non-residential impact fee schedule, effective September 9, 2025, runs $18,854 per 1,000 sq ft for office and other services, $20,661 for hospital, $14,827 for commercial or shopping center under 40,000 sq ft, $8,482 for light industrial, $8,350 for manufacturing, $3,509 for warehouse and $1,679 for mini-warehouse. Statewide, a commercial permit under 25,000 sq ft carries a 60-business-day statutory review clock, with a written notice of deficiencies required within 5 business days and a 10 percent fee reduction for every business day the county runs late. Sarasota County's own commercial impact fee dollar figures were not available to us as of this writing; its mobility fee rose the maximum 3 percent on February 1, 2026, but publishes no static rate table.
Is there Sarasota-Manatee CRE vacancy or cap rate data I should ask my lender to use?
Not from us, and be skeptical of anyone who hands you one. We do not have a sourced, published figure for Sarasota or Manatee office, industrial, retail or multifamily vacancy, absorption, rent growth or cap rates as of this writing, and we're not going to invent one to make a pro forma look better. What we will underwrite is the specific asset: the actual rent roll, tenant credit, lease terms and your plan for stabilizing it. If a broker quotes you a metro cap rate for a Sarasota-Manatee deal, ask for the source. Talk to us about the specific property.
What should I underwrite on a coastal condo or mixed-use bridge deal in this market?
Two Florida statutes now force capital spending on older coastal condo buildings, which is exactly the kind of deal a bridge is built for. A residential condo or cooperative building three or more habitable stories tall must have a milestone inspection by the year it turns 30, and unit-owner-controlled associations may no longer vote to waive structural reserves for roof, structure, plumbing, electrical, waterproofing and similar components after December 31, 2024. On a barrier-island or coastal Sarasota-Manatee property with retiree in-migration behind the eventual exit, that reserve obligation is often the reason an association or owner needs bridge capital now rather than later. Once the asset is repositioned, we can take you into permanent CRE debt in house.
How much equity do I need on a Sarasota commercial bridge loan?
At least 25% of value. Max leverage is up to 75% LTV, so on a $2,000,000 Sarasota or Manatee asset that is up to $1,500,000 from us and $500,000 from you (2,000,000 x 75% = 1,500,000), interest-only for the term. On a cash-out file the same 75% applies against value, which is what caps the proceeds on an older coastal building with a reserve obligation coming. Subject to underwriting.
What is the largest bridge loan you will write in Sarasota-Manatee?
Up to $10M, on a term of up to 24 to 36 months. That covers most of what trades in this metro across property types, acquisition through lease-up. We size it on the asset's actual rent roll, tenant credit and lease terms, not on a metro cap rate, because there is no published Sarasota-Manatee vacancy or cap rate figure we would stand behind. Subject to underwriting.
Does weak credit stop a Sarasota commercial bridge deal?
Usually not. We run credit, but on an asset-based bridge it carries far less weight than at a bank and there is no minimum score. A weaker file is typically handled with lower leverage rather than a decline, and there is no hard credit pull to start. The asset does the qualifying here: the rent roll, the leases, and your plan for stabilizing it. 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 2026-08-12.
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