TWIN BRIDGE CAPITAL

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


Our capital solutions are designed to support real estate investors and business owners across the full life cycle of ownership, growth and transition.

 

Real Estate Investment Lending

Multiple lending solutions for residential investment properties and commercial assets across acquisition, renovations, construction, refinance and transitional scenarios.

 

Private Credit & Structured Capital

Flexible private credit solutions designed to solve complex situations where traditional lending and competitors fall short.

 

Business & Owner Operator Lending

Multiple financing solutions for operating businesses with clear, transparent terms, including SBA programs delivered through experienced lending partners.

Judgement-driven execution. Institutional discipline. Real-world outcomes.

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

Execution Reliability

Capital structured with clear expectations, decisive timelines, and dependable follow-through. Every transaction is managed to support real-world execution—not theoretical models—so borrowers know what to expect and when.

02

Capital Flexibility

Solutions designed around how businesses and assets actually operate. We adapt capital structures to fit transitional, growth, and non-standard situations without forcing deals into rigid boxes.

03

Structured Judgment

Experienced judgment applied within a disciplined framework. Each decision reflects capital markets expertise, direct lending experience, and a practical understanding of risk beyond automated underwriting.

04

Aligned Capital Partners

Access to lending and investment partners aligned with deal objectives, risk profiles, and execution timelines. Relationships are curated to support outcomes—not maximize volume.

05

Lifecycle Support

Capital that evolves as ownership, strategy, and circumstances change. From acquisition through growth, recapitalization, or transition, we structure with the full lifecycle in mind.

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 serves clients nationwide and is headquartered in Wilmington, Delaware, with a strong concentration in Greater Philadelphia and Mid Atlantic markets where local insight, speed and execution create meaningful advantages.
Questions?
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.

Small balance bridge lender with two buckets of capital.

Mortgage REIT & SMA- University Endowment

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1 min read

Big Bank- Credit Term Lending

This is a segment of Big Bank that focuses on non-recourse permanent financing for stabilized properties - typically small balance.

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2 min read

Private Equity Owned "Bank"

Bank sold operations to private equity investors in 2023 and rebranded.

Read More  
2 min read

Investment Management Company Lending: Insurance

Senior Loans. Common equity. Not offering preferred equity.

Read More  
2 min read

Investor with three buckets of capital.

Co-GP, Pref/Mezz, SMA for Self Storage Deals

Read More  
2 min read

Global real estate investment manager.

Debt group deploying capital out of their 7th debt fund.

Read More  
3 min read

This is a UK-based bank that started lending in the US in 2023.

They're a bank chasing debt fund-profile deals on a non-recourse basis.

Read More  
1 min read

Tech enabled Industrial Investment Firm

All industrial types including traditional warehouses, small-bay, IOS, manufacturing, etc.

Read More  
1 min read

Large global investment manager.

Floating and fixed insurance capital, mortgage REIT for light transitional deals pricing in the low 200s, and other more opportunistic closed-end funds.

Read More  
3 min read

This is a global asset manager from Canada

$150B AUM that recently launched a US open-ended debt fund.

Read More  
1 min read

JV equity investor

Deploying common equity out of discretionary closed-end fund vehicles.

Read More  
3 min read
Twin Bridge Capital
Direct Lending & Capital Advisory

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