Close Your CRE Acquisition

Before The Bank Finishes Its Checklist

Commercial Real Estate Acquisition Loans From $1M - $20M.

Designed to close in as little as 5–17 business days. 
Spectra Lending, commercial real estate acquisition loans

Secure Your Soft Quote in Minutes

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No hard credit pull. No commitment required.
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$1M - $20M Loan Amounts

We lend to experienced investors and developers acquiring commercial real estate where speed, deal complexity, or asset type makes traditional financing impractical.

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Flexible 1–36 Month Terms

Acquisition financing is a short-term tool with a long-term purpose. We structure terms from 1–36 months around what you need: time to close, execute your plan, and transition to permanent financing.

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5 - 17 Day Closing Timeline

The deals worth making rarely come with a 90-day window. Spectra closes acquisition bridge loans in 5–17 business days. That's the difference between closing and losing it to faster capital.

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All CRE Property Types

From multifamily to retail properties, warehouse facilities and hospitality assets, we provide financing across all major CRE property types except office buildings and unentitled land.

Fast Capital for Acquisitions That Can't Wait on a Bank.

When a time-sensitive CRE acquisition is on the table, your lender is either an asset or a liability.

Spectra works with real estate investors, developers, and their brokers to provide acquisition financing that traditional lenders can't support in the required timeline. We focus on what matters: the property, the LTV, and the path to a conventional takeout. If the deal makes sense, we tell you quickly. If it doesn't fit our box, we tell you that just as fast. 

Jersey CIty Case Study | Spectra Lending
View Case Study
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No Hard Credit Pull

Secure a soft quote with no impact to your credit.
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Decision in Minutes

Pre-qualification in minutes, no waiting, no guesswork.
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Fast Funding

Capital deployed in days, not weeks or months.
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Nationwide Coverage

We provide flexible and reliable lending solutions across 40+ states, as well as in Puerto Rico and the U.S. Virgin Islands, giving borrowers broad access to acquisition capital while adhering to specific state regulations and eligibility requirements where applicable.

Proven Partners in CRE Acquisition Financing 

Transparent terms, responsive service, rapid capital, and a lending team that understands how CRE portfolios grow.

$250,000,000+

Loan provided since 2023

Group 27991

Trusted Nationwide

Financing deals across 40+ states & two territories

Acquisition Capital Without Complications

Why CRE investors choose Spectra
Spectra Lending, Jeremy Hamilton Testimonial
Spectra Lending, Michael Pasquale, Testimonial
Spectra Lending Testimonial

Four Steps to Funding

We've modernized the commercial real estate lending experience to keep your projects moving. Apply in minutes, upload documents securely, and move through approval and closing with ease.

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1. Complete Your Soft Quote in Minutes
Tell us about the acquisition opportunity, we'll provide you with a soft code in a matter of minutes. No hard credit pull.
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2. Review Your Terms
Real numbers, real soft quote, no obligation.
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3. Receive Your Term Sheet & Schedule Closing
Review your terms sheet and schedule a closing that aligns with your acquisition timeline.
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4. Close & Receive Your Funding
We fund directly from our balance sheet. No last-minute conditions. Capital hits, deal closes, asset is yours, in as few as 5–17 business days from a clear title.