Borrowers & Sponsors
Experienced principals seeking acquisition, refinance, liquidity or transitional capital.
Commercial Real Estate Bridge Lending
Bridge Financing for Transactions That Require Clarity, Speed and Experienced Judgment
New City Capital provides short-term, first-mortgage bridge financing for commercial and investment real estate when conventional financing is too slow, too restrictive or temporarily unavailable.
$1MM–$10MMGeneral transaction range
12–24 MonthsTypical bridge term
First MortgageReal estate-secured
Up to 65% LTVConservative leverage
A Resource When Timing Matters
Temporary capital for a defined real estate financing need.
New City Capital works with real estate owners, investors, sponsors and business owners—and with the CPAs, attorneys and incumbent bankers who advise them—to address time-sensitive financing requirements professionally and decisively.
Trusted Professional Advisors
CPAs and attorneys helping clients navigate a temporary financing constraint or transaction deadline.
Incumbent Bankers
Bankers seeking a responsible interim solution when timing, policy or structure prevents the bank from meeting an immediate need.
Qualified Referral Sources
Professionals who understand the transaction and can provide a clear path to the borrower or sponsor.
What We Finance
Capital for transactions that cannot wait for a conventional process.
New City Capital provides direct bridge capital and works with affiliated capital sources and select institutional funding partners.
Acquisitions
Time-sensitive purchases requiring dependable execution.
Refinancing & Maturities
Additional time to complete a refinance, sale or stabilization plan.
Cash-Out Financing
Access to real estate equity for a defined business or investment purpose.
Partner Buyouts
Real estate-secured capital supporting an ownership transition.
Construction Bridge
Selective capital for experienced sponsors with meaningful equity and a defined institutional or sale takeout.
Property Stabilization
Bridge capital during lease-up, repositioning or operational transition.
Recapitalizations
Short-term financing to realign debt, equity or ownership.
Special Situations
Fact-specific requests supported by defensible collateral value and a credible exit.
Transaction Profile
Clear fundamentals and a credible repayment path.
Every request is evaluated individually. We focus on low-leverage transactions with meaningful borrower equity, defensible real estate value and a realistic exit strategy.
| Loan Size | Generally $1 million–$10 million |
|---|---|
| Term | Generally 12–24 months |
| Collateral | First mortgage on commercial, investment or business-purpose real estate |
| Leverage | Up to 65% loan-to-value, supported by current collateral value |
| Equity | Meaningful borrower or sponsor equity |
| Geography | Continental United States |
| Repayment | Credible refinance, sale, stabilization, business event or other defined exit |
| Review | Confidential and principal-led |
These are general parameters, not a commitment to lend. Structure and availability remain subject to underwriting, collateral, documentation and final approval.
Why New City Capital
Experienced judgment. Clear communication. Focused execution.
We understand when time is of the essence. Our role is to determine quickly whether a transaction fits and, when it does, move it forward with discipline and discretion.
Principal-Led Review
Direct access to experienced decision-makers from the initial discussion.
Whole-Transaction View
We evaluate collateral, sponsorship, purpose and repayment—not simply a credit box.
Responsive Process
Clear early communication about fit, information requirements and next steps.
Practical Structuring
A financing approach aligned with the temporary need and the ultimate exit.
Professional Discretion
Responsible handling of sensitive borrower and transaction information.
Our Team
Experienced review from people who understand complex transactions.
Principal
Brian Charlebois
Brian Charlebois brings years of deep transactional experience across a broad array of industries, including commercial banking, secured lending, structured finance, capital markets and special situations. His senior roles have included First International Bank, ICON International, United Bank, BankUnited, Bankwell and RealtyX. He also served as the first holder of Central Connecticut State University’s American Savings Foundation Endowed Chair in Banking and Finance.
Strategic Advisor
Michael Kalman
Michael Kalman is an experienced founder, chief executive and strategic advisor. He founded and led MediaCrossing through its acquisition by publicly traded Kubient and brings an operator’s perspective to relationship development, business strategy and transaction evaluation.
Our Process
From essential facts to an executable financing path.
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1
Initial Discussion
Share the borrower, property, request, timing and proposed exit.
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2
Fit Assessment
We determine whether the transaction aligns with our general parameters.
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3
Structure
Qualified opportunities receive a practical financing framework.
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4
Underwriting
Collateral, sponsorship, title, valuation and repayment are reviewed.
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5
Execution
Approved transactions move through documentation and closing coordination.
Does the transaction require a prompt, experienced response?
Send the essential facts. We will respond directly and determine whether New City Capital may be an appropriate resource.
Discuss a Transaction
Start with the essential facts.
Provide the borrower or sponsor, property, requested amount, existing debt, estimated value, use of proceeds, timing and repayment plan for a confidential preliminary review.
Call 203-626-1259
Email
[email protected]