Square Root Lending writes bridge and construction loans from $1M to $10M for middle-market sponsors across the Southeast — underwritten in-house, structured around your exit, and closed in 30 to 45 days, or as fast as two weeks when title and diligence are clean.
We lend our own capital — no intake desk, no committee chain, no re-trades. When a deal fits, the people you talk to are the people who decide, and the term sheet you sign is the one that closes.
Decades of debt structuring sit behind every loan, paired with hands-on retail development and tenant expertise. We underwrite the asset and the business plan behind it — sponsor, location, lease, and a credible exit — then move.
See our loan programs*Typical close is 30–45 days. Clean deals — title clear, third-party reports in hand, responsive borrower — can close in as little as two weeks.
We lead with debt — bridge and construction loans on retail, net lease, and value-add commercial real estate. For the right sponsors, we'll put equity alongside it.
Short-term, interest-only capital for acquisitions, recapitalizations, and value-add repositioning — to 75% LTC and 70% LTV, on 12- to 24-month terms. Clean deals can close in as little as two weeks.
Ground-up and major-renovation financing for pre-leased and pre-sold projects, with in-house draw administration. We fund deals with a signed tenant or buyer — not speculative starts. Longer terms considered where the build and lease-up timeline calls for it.
On select deals where the basis and business plan are right, we'll invest equity alongside our debt — aligning our capital with the sponsor's and sharing the upside, not just the coupon.
Share a few details on the deal and how to reach you. We'll show indicative terms on the spot — max proceeds, rate, fees, and structure — and a principal will follow up to confirm them against your specifics.
Indicative only, not a commitment to lend. Real terms depend on full underwriting — sponsor, collateral, lease, and exit. No credit pull.
A principal reviews every inquiry directly. Your details stay confidential and are used only to evaluate fit.
Most sponsors lose deals to slow capital, not bad capital. We issue terms in days, not weeks, and we don't re-trade at the closing table. You work directly with the principals underwriting and funding the loan — and servicing it after.
Talk to a principalTerms in days; close in 30 to 45.
No re-trades. The term sheet closes.
Talk to the principals who decide.
Draws and payoffs handled directly.
We lend across the Southeast corridor — Florida, Alabama, Georgia, Tennessee, and the Carolinas — on retail, net lease, and value-add commercial real estate. We focus on investment-grade and strong crossover credits, favoring national and regional operators that are established or actively expanding in our markets. Knowing the tenants and the trade areas is how we underwrite a lease and a re-tenanting plan faster than a lender seeing it for the first time.
Representative of credits we lend against; not an exhaustive or exclusive list. We evaluate any tenant rated BBB+ or stronger, and select crossover credits, on a deal-by-deal basis.
Illustrative of the transactions Square Root is built for — the structures, sizes, and asset types we underwrite across the Southeast. Representative, not a transaction history.
The things sponsors and brokers ask us most. Don't see yours? Reach out — a principal will answer directly.
We offer bridge loans and construction financing for commercial real estate, with selective equity co-investment on qualifying deals. Loans range from $1M to $10M on retail, net lease, and value-add properties across the Southeast.
A typical close is 30 to 45 days. Clean deals — clear title, third-party reports in hand, and a responsive borrower — can close in as little as two weeks. Because we lend our own capital and underwrite in-house, we don't wait on an outside committee.
A bridge loan is short-term, interest-only capital used to acquire, recapitalize, or reposition an existing property before a refinance or sale. Construction financing funds ground-up development or major renovation — typically for pre-leased or pre-sold projects — and is drawn in stages as the work is completed.
We lend up to 75% loan-to-cost and 70% loan-to-value, on 12- to 24-month terms for bridge and value-add deals. Pricing is deal-specific and depends on sponsor strength, collateral, leverage, and business plan. The fastest way to see where your deal lands is to request an indicative term sheet above.
We're a direct lender. We underwrite and fund our own capital, so you work directly with the principals who make the credit decision — no intake desk, no committee chain, and no re-trades at the closing table.
We finance retail, single-tenant net lease, multi-tenant centers, and value-add commercial real estate, favoring investment-grade and strong crossover tenant credits. We know the Southeast markets and the tenants that drive them, which lets us underwrite a lease and a re-tenanting plan quickly.
On select deals where the basis and business plan are right, we'll invest equity alongside our debt — aligning our capital with the sponsor's. Debt is our lead product; equity is offered selectively as a complement to it.
Have a deal under contract or a maturity coming up? Send the basics and a principal will respond directly — usually within one business day, with a real answer on fit.
Schedule an exploratory callEmail us and we'll find a time — 30 minutesThank you — a principal will review and respond directly, typically within one business day.