Introducing the Income Producing Bridge Loan Program: A Smarter, Faster Option for Utah and Washington Brokers

The commercial lending landscape has shifted across Utah and Washington. Banks are cautious, credit committees are slow, and great properties that should be easy to finance are stuck waiting in line. At 1892 Capital Partners, we’re seeing a wave of solid income-producing deals that simply don’t fit into a traditional lending box—yet still offer strong cash flow, strong operators, and strong upside.

So we built a loan program that meets the moment.

Today, we’re excited to introduce our Income Producing Bridge Loan Program, designed specifically for brokers and investors who need speed, certainty, and flexibility in WA and UT markets.

Why This Loan Product Matters Right Now

Utah and Washington have become two of the most active commercial real estate ecosystems in the West. Industrial is strong. Multifamily is stabilizing. Adaptive reuse and value-add plays are everywhere. And yet, traditional lenders remain slow, selective, and restricted by shifting regulatory pressures.

That gap has created an opportunity for private lenders who can move fast and structure deals based on real-world performance—not rigid bank metrics.

The Income Producing Bridge Loan Program was built for exactly that purpose:

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To empower brokers and investors with cash-flow-sensitive, common-sense capital that keeps deals moving.

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Loan Program Overview

Here’s what brokers need to know:

▫️ Loan Size: $1MM – $12MM
▫️ Rates: 9.50–10.99%
▫️ Points: 1.50–2.5
▫️ Term: Up to 24 months
▫️ LTV: Up to 75%
▫️ DSCR: No minimum required
▫️ Non-recourse options available
▫️ Built for WA, UT, and HI markets
▫️ Ideal for: Multifamily, industrial, warehouse, strip centers, and self-storage

This program is designed for deals that perform even if they aren’t perfectly positioned for bank financing. If the asset is generating income and the business plan makes sense, we can take a strategic look.

When to Use This Program

Brokers are already bringing us deals where this program shines. It’s best used for:

✔️ Opportune acquisitions when timing is tight
✔️ Cash-out recapitalizations to pursue new investments
✔️ Stabilizing partially leased assets with clear upside
✔️ Post-renovation refinances before agency execution
✔️ Reworking capital stacks for cleaner exits
✔️ Any scenario where the bank is slow, restrictive, or saying no

If your borrower has in-place income but needs speed or flexibility, this product is built to help you win the deal—and win the next one.

Why Brokers Trust 1892 Capital Partners

For brokers in Utah and Washington, choosing the right lending partner is about more than terms. You need consistency, communication, and execution you can count on. At 1892, we offer:‍

➖ Speed and certainty: We understand that timing kills deals. Our underwriting is efficient, our team is experienced, and we keep approvals moving.
➖ Flexible structuring: Income matters. Cash flow matters. Operator strength matters. A rigid DSCR requirement does not.
➖ Local expertise: We lend where we live and operate. We know the submarkets. We understand the demand drivers and we know what makes a deal work in Salt Lake, Provo, Ogden, Puyallup, Tacoma, Kent, and the industrial corridors growing between them.
➖ Relationship-driven lending: As a family-operated lender, we value long-term partnerships. Brokers are not just deal sources—they’re strategic allies. When you bring us a deal, we move with transparency, reliability, and urgency.

Let’s Talk Deals

Whether you’re working on an acquisition, a lease-up play, a recap, or a refi, our team is ready to take a look.

📞 (253) 592-3452
📧 charlesf@1892capital.com

Brokers welcome. Referrals protected. Deals executed with speed and clarity.

If you're a Utah or Washington broker searching for a competitive, income-friendly bridge option that actually closes, this program was built for you.