IOS Authorityv1

Lender desk

73 bridge lenders. Ranked by close, not coupon.

Updated weekly via direct survey. Rates reflect what lenders quote on conforming deals. Actual close terms vary by sponsor profile, asset, and exit path.

Atlas Bridge Capital

affiliate

IOS, flex industrial

LTV

65–75%

Rate

10.5–12.0%

Close

14–21 days

Range

$1.5M–$25M

Reliable close discipline. Sponsor experience matters less to them than asset condition.

States: AZ, TX, NV, CA, CO, NM, GA, FL

Ironclad Hard Money

affiliate

All commercial

LTV

60–70%

Rate

11.0–13.5%

Close

10–18 days

Range

$500K–$15M

Fastest close in our coverage. Higher rate is the trade for speed.

States: All 50

Cordillera Real Estate Finance

Industrial, IOS

LTV

70–80%

Rate

9.75–11.5%

Close

21–30 days

Range

$3M–$60M

Best rate in tier; slowest close. Worth it on $5M+.

States: Western US

Westline Bridge Partners

affiliate

Truck parking, IOS

LTV

65–75%

Rate

10.0–12.5%

Close

12–18 days

Range

$1M–$20M

Built for truck-parking deals; understands the operating profile.

States: TX, OK, AR, LA, MS, AL, GA

Helios Industrial Lending

Industrial only

LTV

70–75%

Rate

10.25–11.75%

Close

18–25 days

Range

$2.5M–$40M

States: Sunbelt

Vertica Bridge

affiliate

IOS, self-storage adj.

LTV

65–72%

Rate

10.75–12.75%

Close

14–20 days

Range

$1M–$18M

Knows IOS underwriting well. Will price aggressively if the sponsor has IOS reps.

States: Midwest, Mid-Atlantic

Affiliate disclosure

Lenders marked affiliate may compensate us if you close a loan through them. The compensation does not change the rates you receive, and lenders without affiliate agreements appear alongside those with one, ranked by the same criteria. We disclose every relationship because our usefulness to you depends on it.