Nationwide commercial real estate lending

Capital built to move the deal forward.

Oak is a nationwide commercial real estate bridge lender providing senior, first-lien loans, most often from $2 million to $20 million.

Acquisition Transitional / Bridge Special Situations FHA / HUD

We originate, underwrite, fund, service, and manage every loan in-house. Our capital supports acquisitions, repositioning, rehabilitation, stabilization, and special situations across core commercial real estate. One lender. One credit standard. One team from first look through payoff.

Credit for defined real estate plans

Start with what the deal needs to do.

The right structure depends on more than the property type or loan amount. It depends on the asset today, the work ahead, the sponsor's basis, and the path to exit.

Oak organizes its lending platform around four real estate objectives: acquiring an asset, moving a property through transition, solving a special situation, or securing long-term FHA/HUD financing.

Within our Acquisition, Transitional/Bridge, and Special Situation programs, Oak can structure Core Bridge, Core-Plus Bridge, Opportunistic Bridge, or Participating Bridge financing based on the leverage, complexity, and risk of the plan.

Bring us the deal. We'll tell you what we see.

Lending programs

Four paths. One credit standard.

Choose the objective that best matches the plan.

01 / Acquisition Be ready when the right asset moves.

Financing for commercial real estate acquisitions from $2 million to $20 million.

Oak matches the structure to the asset, cash flow, capital plan, and speed required to close.

Products available: Core Bridge · Core-Plus Bridge · Opportunistic Bridge · Participating Bridge Explore Acquisition Financing 02 / Transitional / Bridge Fund the work between acquisition and stabilization.

Capital for repositioning, rehabilitation, conversion, lease-up, and stabilization.

Whether the asset needs time, improvements, operating runway, or a more substantial transformation, Oak structures the financing around the work required to reach the next milestone.

Products available: Core Bridge · Core-Plus Bridge · Opportunistic Bridge · Participating Bridge Explore Transitional Financing 03 / Special Situations Built for the deal that does not fit the box.

Financing for complex capital stacks, time-sensitive closings, situational opportunities, and non-conforming assets.

Oak starts with the real estate and the execution path, then selects the structure that fits the risk, timing, leverage, and potential upside.

Products available: Core Bridge · Core-Plus Bridge · Opportunistic Bridge · Participating Bridge Explore Special Situations 04 / FHA / HUD Long-term capital for long-term assets.

Non-recourse, HUD-insured financing for multifamily, affordable housing, senior housing, and healthcare properties.

Oak provides access to eight FHA/HUD loan products supporting construction, substantial rehabilitation, acquisition, refinancing, and eligible capital improvements.

Explore FHA/HUD Financing

Bridge loan products

Four structures. Different levels of leverage.

Core Bridge, Core-Plus Bridge, Opportunistic Bridge, and Participating Bridge are not separate use cases. They are four ways Oak can structure financing within the Acquisition, Transitional/Bridge, and Special Situation programs.

As leverage and execution risk increase, pricing and participation change with them.

01 / Core Bridge

Core Bridge

Stable today. More ahead.

01 / Core Bridge

For cash-flowing assets with a defined path forward.

Designed for institutional-quality assets that are already producing cash flow and need time or additional capital to complete a lighter transitional plan.

Size: $2M-$20M
Pricing: SOFR + 450-550 bps
Leverage: Up to 75% LTV/LTC
Term: 1-5 years

Acquisition · Refinance · Situational · Stabilization

View Core Bridge terms

02 / Core-Plus Bridge

Core-Plus Bridge

The plan is working. The asset is still catching up.

02 / Core-Plus Bridge

For assets that need more work before the cash flow catches up.

Designed for transitional assets below 1.00x DSCR that require rehabilitation, operating runway, or additional time to reach stabilization.

Size: $2M-$20M
Pricing: SOFR + 500-600 bps
Leverage: Up to 75% LTV / 85% LTC
Term: 1-5 years

Acquisition · Refinance · Rehabilitation · Situational · Stabilization

View Core-Plus terms

03 / Opportunistic Bridge

Opportunistic Bridge

More work. More potential.

03 / Opportunistic Bridge

For heavier execution and greater value-creation potential.

Higher-leverage financing for conversion, rehabilitation, repositioning, and other substantial business plans.

Size: $1M-$10M
Pricing: SOFR + 600-700 bps
Leverage: Up to 75% LTV / 90% LTC
Term: 1-3 years

Acquisition · Refinance · Conversion · Rehabilitation · Situational · Stabilization

View Opportunistic Bridge terms

04 / Participating Bridge

Participating Bridge

Shared risk. Aligned upside.

04 / Participating Bridge

Maximum leverage. Shared conviction.

Designed for capital-intensive plans where Oak can finance up to 100% of cost in exchange for participation in the value created.

Size: $1M-$10M
Pricing: SOFR + 700 bps
Leverage: Up to 75% LTV / 100% LTC
Term: 1-3 years
Participation: 15-25% value-creation participation

Acquisition · Refinance · Rehabilitation · Situational · Stabilization

View Participating Bridge terms

Higher leverage changes the economics. Core offers the lowest leverage and pricing. Core-Plus adds capacity for more significant transitional work. Opportunistic reaches further for conversion and value-add plans. Participating can finance up to 100% of cost in exchange for a share of the value created.

Property types

Real estate first.

Oak evaluates the property, market, sponsor, basis, and business plan across a range of commercial real estate sectors.

Multifamily
Affordable housing
Industrial
Retail
Mixed use
Hospitality
Office
Medical office
Self-storage
Manufactured housing
Senior housing
Healthcare

FHA/HUD financing

Debt that outlasts the cycle.

Oak provides HUD insured non-recourse, fully amortizing, fixed-rate financing up to 40 years across multifamily, affordable housing, senior housing, and healthcare.

Multifamily and Affordable Housing

HUD 221(d)(4) and Section 220

HUD 223(f)

HUD 223(a)(7)

HUD 241(a)

Senior Housing and Healthcare

HUD 232/221(d)(4)

HUD 232/223(f)

HUD 232/223(a)(7)

HUD 241(a)

Explore FHA/HUD Financing

Commercial real estate lending

Bring us the plan. We'll help you finish it.

Tell us about the asset, the basis, and where you intend to take it.

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