Delivering more access to smarter, faster capital for real estate investors and business owners

Direct commercial lending and private credit solutions.

  • Real estate investors acquiring, renovating, building, refinancing or repositioning assets
  • Business owners seeking growth, stability or real estate ownership
  • Owner-operators navigating expansion, recapitalization or transition

Capital decisions require judgment, not templates. 

Twin Bridge Capital structures solutions based on execution realities, asset dynamics and partner objectives—aligning capital to where a business or investment is today and where it needs to go next.

About Us

We are an execution-first capital platform built for real estate investors and small business owners.
Our team includes former bank professionals with experience across global institutions such as Citi, JPMorgan, Capital One and Morgan Stanley, and long-standing relationships with institutional investors and private capital providers. That experience has given us direct access to capital markets knowledge, underwriting standards and execution paths typically reserved for larger sponsors.We leverage that access to extend institutional-grade expertise to Main Street—structuring practical, flexible financing solutions for small investors, operators, and family-owned businesses. 

Our mission is to democratize access to capital by bringing the discipline, insight and reach of the institutional world to the people building & operating at the local level.
Clients choose us for clarity, certainty, and a partner willing to fight for execution.


Certainty over complexity.  Execution over promises.

Our Approach

We operate at the intersection of institutional capital and Main Street opportunity.
Our team brings experience from traditional banking and capital markets, along with long-standing relationships across institutional investors and private capital providers. That exposure gives us insight into how large capital allocators think about risk, structure, and execution—and access to financing solutions typically reserved for larger sponsors.
We intentionally leverage that access to support smaller investors, operators, and family-owned businesses. By translating institutional-grade underwriting, structuring, and execution into practical solutions, we help Main Street borrowers compete on more equal footing.


Every transaction is approached with a problem-solving mindset. We evaluate the asset, the strategy, and the timeline to identify the most efficient execution path—whether that means speed-first capital, flexible structures, or long-term stability.
Our goal is simple: democratize access to capital by bringing the discipline, knowledge, and reach of the institutional world to the people building at the local level.

Our Mission

Our mission is to democratize access to capital by bringing institutional-grade expertise, execution, and capital markets insight to Main Street investors and small business owners.


We exist to level the playing field—using our access, experience, and relationships to deliver flexible, practical financing solutions for those building at the local level.

Our Values

Execution First

We prioritize certainty, speed, and real-world closings over promises or theory.


Institutional Discipline

Our background in banking and capital markets informs every decision, ensuring clear structures and responsible underwriting.


Main Street Focus

We are committed to supporting real estate investors, developers, operators and family-owned businesses with solutions built for their realities.


Access with Purpose

We leverage institutional relationships and private capital access to create opportunity where traditional channels fall short.


Problem-Solving Mindset

We approach every transaction as a challenge to be solved—not a box to be checked.


Long-Term Partnership

We aim to build durable relationships by supporting clients across the full lifecycle of their investments.



Built with institutional experience. Focused on Main Street Execution


Nuestras soluciones de capital están diseñadas para apoyar a los inversores inmobiliarios y propietarios de empresas durante todo el ciclo de vida de propiedad, crecimiento y transición.

 

Préstamos para inversión inmobiliaria

Múltiples soluciones de préstamos para propiedades de inversión residencial y activos comerciales en escenarios de adquisición, renovaciones, construcción, refinanciación y transición.

 

Private Credit & Structured Capital

Soluciones de crédito privado flexibles diseñadas para resolver situaciones complejas donde los préstamos tradicionales y los competidores se quedan cortos.

 

Business & Owner Operator Lending

Múltiples soluciones de financiamiento para empresas en operación con términos claros y transparentes, incluidos programas de la SBA entregados a través de socios crediticios experimentados.

Ejecución basada en el juicio. Disciplina institucional. Resultados reales.

Capital execution requires experience, judgment, and disciplined process—not automation alone. 

Twin Bridge Capital bridges institutional capital and Main Street opportunity by applying capital markets expertise, direct lending relationships, and hands-on structuring—especially in situations that require flexibility, speed, and thoughtful execution. 

Our role is to bring clarity early, structure responsibly, and execute with conviction—so capital supports real businesses and real assets through every stage of ownership and transition.

01

Confiabilidad de ejecución

Capital estructurado con expectativas claras, plazos precisos y un seguimiento fiable. Cada transacción se gestiona para respaldar la ejecución en el mundo real, no modelos teóricos, para que los prestatarios sepan qué esperar y cuándo.

02

Flexibilidad de capital

Soluciones diseñadas en torno al funcionamiento real de las empresas y sus activos. Adaptamos las estructuras de capital a situaciones de transición, crecimiento y atípicas, sin imponer acuerdos rígidos.

03

Juicio estructurado

Juicio experimentado aplicado dentro de un marco disciplinado. Cada decisión refleja la experiencia en mercados de capitales, la experiencia en préstamos directos y una comprensión práctica del riesgo más allá de la suscripción automatizada.

04

Socios de capital alineados

Acceso a socios de financiación e inversión alineados con los objetivos de la operación, los perfiles de riesgo y los plazos de ejecución. Las relaciones se diseñan para impulsar los resultados, no para maximizar el volumen.

05

Soporte del ciclo de vida

Capital que evoluciona a medida que cambian la propiedad, la estrategia y las circunstancias. Desde la adquisición hasta el crecimiento, la recapitalización o la transición, estructuramos el capital teniendo en cuenta todo el ciclo de vida.

Non-recourse, assumable fixed rate financing for the acquisition or refinance of stabilized multifamily, retail office, hotel, industrial, mixed use, manufactured housing communities and self-storage properties.

Loan Overview

  • Product Type: CMBS / Conduit Loan
  • Structure: Non-recourse (standard bad-boy carveouts)
  • Purpose: Acquisition, Refinance, Cash-Out
  • Property Types: All income-producing commercial real estate

Loan Terms

  • Loan Size: Typically, $2MM – $100MM+
  • Term: 5, 7, or 10 years
  • Amortization: 25–30 years
  • Interest Type: Fixed Rate
  • Interest Only: Available (partial to full term)

Leverage & Underwriting

  • Maximum LTV: Up to ~75%
  • Minimum DSCR: ~1.20x – 1.35x
  • Debt Yield: Typically, 8%+
  • Underwriting Focus: Property cash flow, sponsorship strength, market fundamentals

Pricing

  • Based on Treasury/Swap rate + spread
  • Driven by LTV, DSCR, asset quality, tenancy
  • Fixed at closing

Prepayment

  • Structure: Defeasance
  • Lockout Period: Typically 2 years
  • Yield Maintenance: Possible depending on execution

Recourse

  • Non-Recourse
  • Standard carve-outs: Fraud, Misrepresentation, Bankruptcy

Assumability

  • Fully assumable (subject to approval + fee)

Closing Timeline

  • Typically, 30–60 days from application

Third-Party Reports

  • Appraisal
  • Phase I Environmental
  • Property Condition Report
  • Engineering

Eligible Property Types

  • Multifamily, Retail, Office, Industrial, Hospitality, Mixed-use

Key Advantages

  • Long-term fixed-rate stability
  • Non-recourse execution
  • High leverage vs. life companies
  • Broad property eligibility

Key Considerations

  • Prepayment rigidity (defeasance)
  • Less flexibility post-close
  • Structured servicing environment


CMBA LLC delivers institutional CMBS execution—bridging Wall Street capital to Main Street operators with certainty, speed, and clarity

Twin Bridge Capital atiende a clientes en todo el país y tiene su sede en Wilmington, Delaware, con una fuerte concentración en los mercados del Gran Filadelfia y del Atlántico Medio, donde el conocimiento local, la velocidad y la ejecución crean ventajas significativas.
Preguntas?
We are here

Institutional credit markets have trillions of dollars in capital seeking yield. Meanwhile, Main Street borrowers often face friction accessing that capital through traditional banking channels.

Twin Bridge Capital exists to bridge that gap.

By combining capital markets expertise, lender relationships, and entrepreneurial deal sourcing, the platform delivers structured financing solutions that bring institutional capital to the real economy—quickly, efficiently, and with the flexibility modern borrowers require.

Wall Street Capital.
Main Street Opportunity.
Connected through Twin Bridge.

Outside our direct lending platform, we work with lenders for an assortment of debt and equity ventures. See below for examples of different capital partners.

Prestamista puente de pequeño saldo con dos grupos de capital.

Mortgage REIT & SMA- University Endowment

Más información  
tiempo estimado de lectura : 1

Gran banco - Préstamos a plazo fijo

Este es un segmento de Big Bank que se centra en el financiamiento permanente sin recurso para propiedades estabilizadas, generalmente con saldos pequeños.

Más información  
tiempo estimado de lectura : 2

"Banco" propiedad de capital privado

El banco vendió sus operaciones a inversores de capital privado en 2023 y cambió su nombre.

Más información  
tiempo estimado de lectura : 2

Préstamos de la Sociedad de Gestión de Inversiones: Seguros

Préstamos preferentes. Capital común. No ofrecemos capital preferente.

Más información  
tiempo estimado de lectura : 2

Inversionista con tres áreas de capital.

Co-GP, Pref/Mezz, SMA para ofertas de autoalmacenamiento

Más información  
tiempo estimado de lectura : 2

Gestor global de inversiones inmobiliarias.

Grupo de deuda desplegando capital de su séptimo fondo de deuda.

Más información  
tiempo estimado de lectura : 3

Se trata de un banco con sede en el Reino Unido que comenzó a prestar en Estados Unidos en 2023.

Son un banco que busca acuerdos con perfiles de fondos de deuda sin recurso.

Más información  
tiempo estimado de lectura : 1

Empresa de inversión industrial con tecnología habilitada

Todo tipo de almacenes industriales, incluidos almacenes tradicionales, de pequeña capacidad, IOS, fabricación, etc.

Más información  
tiempo estimado de lectura : 1

Gran gestor de inversiones global.

Capital de seguros flotante y fijo, REIT hipotecario para operaciones de transición ligeras con precios en el rango bajo de los 200 y otros fondos cerrados más oportunistas.

Más información  
tiempo estimado de lectura : 3

Prestamista puente que despliega capital de dos vehículos

Fondo de Deuda (5º) y SMA

Más información  
tiempo estimado de lectura : 2

Este es un gestor de activos global de Canadá.

150 mil millones de dólares en activos bajo gestión que recientemente lanzaron un fondo de deuda abierta en Estados Unidos.

Más información  
tiempo estimado de lectura : 1

Inversionista de capital de empresa conjunta

Implementación de capital común a partir de vehículos de fondos de inversión discrecionales de capital cerrado.

Más información  
tiempo estimado de lectura : 3
Twin Bridge Capital
Direct Lending & Capital Advisory

3200 Concord Pike
Wilmington, DE 19803
P 302-583-2915
info@gotbcap.com

Treasury yields are lower today. According to Fortune, this is due to a shift from inflation fears to growth concerns:"Bond yields are falling even as oil tops $102, showing that Wall Street fears recession more than inflation"

A comparison of 1-month Term SOFR versus 30-day Average SOFR is shown below. As a reminder, 30-day Average SOFR is commonly used by the agencies and is backward-looking while 1-month Term SOFR is used by most bridge lenders and is forward-looking based on futures contracts

The next Fed decision is in 30 days. The chart below skips ahead to the last Fed meeting of the year. You'll see that the market is projecting a 76% probability that the Fed leaves rates unchanged through the end of 2026. The probability of a rate increase reached 22% last week, but that's now down to less than 4%.

The 1-month Term SOFR forward curve is shown below. The market projection for SOFR at the end of 2026 has increased 70 bps over the past month.


Agency Pricing Grid