Program workspace

“The most common use case. Sponsor acquires an existing hotel that requires a Property Improvement Plan (PIP) renovation to maintain franchise standards or transition to a new brand-flag. Bridge funds the acquisition + PIP renovation over 18–24 months; perm refi at stabilization. Typical structure: $5M–$25M deal size, 65–75% LTC, 24-month term, exit into SBA 504 (if owner-operator) or conventional hotel CtP perm.”

“Dedicated construction lending partnership with InterContinental Hotels Group for ground-up flagged IHG hotel construction. This deep IHG relationship creates two bridge-relevant advantages: PIP coordination on IHG-flagged hotel acquisitions — AVANA’s familiarity with IHG PIP standards (Holiday Inn Express, Holiday Inn, Candlewood Suites, Staybridge Suites, Avid Hotels) reduces underwriting friction on IHG hotel bridge acquisitions Construction → bridge → SBA 504 conversion path — sponsors can use AVANA-IHG construction for ground-up, then AVANA bridge for stabilization period, then AVANA SBA 504 for permanent (owner-occupied). Three AVANA products, one borrower relationship. For non-IHG flags (Marriott, Hilton, Hyatt, Choice, Wyndham, independents), AVANA’s broader hospitality lending depth applies — the IHG-specific advantage doesn’t transfer but AVANA’s hospitality lending track record does.”

“Acquiring a hotel and converting from one flag to another (e.g., independent → Marriott TownePlace; Holiday Inn Express → Hampton Inn). Conversion typically requires substantial PIP capital + brand approval timeline (90–180 days). Bridge funds the acquisition + conversion period; perm refi after the new flag’s stabilization.”

“Properties facing maturity default on existing debt, or hotels acquired through receivership / bankruptcy. Bridge provides the recap capital + operational stabilization period. Highest-risk and highest-cost bridge category in hospitality.”

“Cash-Out Refinance Multi-Family Newark, New Jersey $5,450,000”

“Cash-Out Refinance Multi-Family Newark, New Jersey $5,450,000”

“Cash-Out Refinance Multi-Family Newark, New Jersey $5,450,000”

“Ground-up hotel construction completes; sponsor needs bridge to fund operating ramp-up period before stabilization qualifies for permanent debt. Bridge fills the 12–24 month gap between completion and stabilized NOI. Often used when construction loan structure didn’t include a stabilization period.”

“We make financing simple, transparent, and fast Step 1”

“We make financing simple, transparent, and fast Step 1”

“We make financing simple, transparent, and fast Step 1”

“We make financing simple, transparent, and fast Step 1”

“AVANA Capital operates a commercial bridge loan program backed by a joint venture with Oaktree Capital. The program is purpose-built for bridge-to-permanent execution: Bridge origination : 12–24 month term, floating rate, up to 75% LTV on acquisition Internal perm refi execution : at stabilization, AVANA’s team executes the perm refi in-house — into AVANA’s own SBA 504 refi (owner-occupied), conventional CRE refi, or referral to agency multifamily / life co for non-AVANA permanent products Coordination advantage : single lender relationship across bridge → perm transition eliminates the lender-shopping friction at stabilization For sponsors with planned bridge-to-perm strategies, the AVANA program structurally simplifies the transition. See AVANA bridge financing and the broader commercial bridge loan guide for full program details.”

“For multifamily 5+ units. The dominant perm refi for stabilized multifamily. – 80% LTV rate-and-term (75% cash-out) – Non-recourse – 10–25 year fixed rates at 5.4–6.5% (May 2026) – Application to close: 60–90 days Best fit: any stabilized multifamily 5+ units. Almost always the right answer.”

“Annual debt service: $584K vs. bridge debt service of ~$570K (essentially flat, but the perm loan is $8.25M vs. bridge $6.56M — sponsor extracted equity at the refi)”

“Secure the capital you need to move forward fast. Complete our quick online form, and our lending team will guide you through every step of the process. Apply For a Loan Schedule a call Get in touch with us ↗ +1 877-850-5130 16150 N Arrowhead Fountains Center Dr., Suite 243, Peoria, AZ 85382 Loan Programs By Product Type SBA 504 Loans Bridge Loans Construction Loans Conventional Term Loans By Property Type Hospitality Industrial Manufacturing Medical Office Mixed-Use Owner-Occupied Multi-Family Restaurant Retail Self-Storage Warehouse By Purpose Acquisition Construction Refinance Who We Work With Borrowers Brokers Investors Indian Hoteliers Eligibility Guidelines Resources Success Stories News & Events Company About Us Team Partnerships Social Impact Avana Capital In The Community © 2026 Avana Capital Terms & Conditions Privacy Policy Disclosures”

“Complete a quick online form to begin your application. Our team will review your details and guide you every step of the way. Apply for a Loan Schedule a call Get in touch with us ↗ +1 877-850-5130 16150 N Arrowhead Fountains Center Dr., Suite 243, Peoria, AZ 85382 Loan Programs By Product Type SBA 504 Loans Bridge Loans Construction Loans Conventional Term Loans By Property Type Hospitality Industrial Manufacturing Medical Office Mixed-Use Owner-Occupied Multi-Family Restaurant Retail Self-Storage Warehouse By Purpose Acquisition Construction Refinance Who We Work With Borrowers Brokers Investors Indian Hoteliers Eligibility Guidelines Resources Success Stories News & Events Company About Us Team Partnerships Social Impact Avana Capital In The Community © 2026 Avana Capital Terms & Conditions Privacy Policy Disclosures”

“Once approved, we’ll present loan terms and structure a customized financing solution Step 4”

“Once approved, we’ll present loan terms and structure a customized financing solution Step 4”

“Once approved, we’ll present loan terms and structure a customized financing solution Step 4”

“Hard money loans are worth the premium cost when speed, flexibility, or property condition makes conventional financing unavailable or impractical. If a $5 million value-add acquisition generates $1.5 million in equity through renovation and stabilization, the $150,000 to $200,000 premium for hard money financing represents a sound investment. The key is ensuring your project’s returns justify the higher cost of capital.”

“Ask about extension options. Construction delays, permitting issues, and market shifts happen. Understand the lender’s extension policy before you need it. What does an extension cost? How far in advance must you request one? Are extensions granted routinely or treated as defaults?”

“Institutional‑grade construction financing through our partnership with Oaktree Capital. By collaborating with industry leaders, we accelerate funding processes, offer competitive rates, and create exclusive co-investment opportunities that empower our clients and investors alike Learn more about partnerships”

“Institutional‑grade construction financing through our partnership with Oaktree Capital and IHG Hotels. By collaborating with industry leaders, we accelerate funding processes, offer competitive rates, and create exclusive co-investment opportunities that empower our clients and investors alike Learn more about partnerships”

“Although hard money lending is asset-focused, borrowers are not invisible in the process. Lenders typically look for: Credit score: A minimum of approximately 650 for most hard money lenders, though some will work with lower scores at higher rates. This stands in contrast to banks, which generally require 680 to 700+. Down payment: Expect to contribute 20% to 30% of the purchase price or project cost as equity. Experience: Borrowers with a track record of successful CRE projects, especially in the same property type, receive better terms and faster approvals. Liquidity: Lenders want to see that you have reserves beyond the down payment to cover carrying costs, unexpected expenses, and debt service during the loan term. Entity structure: Most hard money loans are made to LLCs or other business entities, not individuals.”