Crédito Puente (Bridge / Construction Loan)KREH-dee-toh PWEN-teh
Crédito puente is a short-to-medium term construction loan that Mexican banks and specialized lenders grant to real estate developers to finance building costs, typically repaid as individual units are sold and titled. The loan bridges the gap between construction expenses and sales revenue, allowing developers to build without tying up all their capital.
By Daniel Ortega · Last reviewed 9 November 2026
How it works
A developer secures a crédito puente by pledging the land and project as collateral and demonstrating construction experience, permits, and a viable sales plan. Mexican lenders such as Sociedad Hipotecaria Federal, Banco Inmobiliario Mexicano and specialized funds typically finance 50 to 70 percent of total project value at variable rates of TIIE plus 3 to 6 points—roughly 12 to 18 percent annual as of November 2026—with opening commissions of 1 to 2 percent of the loan amount. The lender disburses up to 20 percent upfront for working capital and releases the rest in stages as construction milestones are verified. The developer pays monthly interest on the outstanding balance and repays principal when each unit is sold and individually titled to a buyer, or in full at the loan's maturity (commonly 18 to 48 months). For a foreign buyer, a project with approved bridge financing signals that a third party reviewed the developer's permits, budget and market viability; conversely, a project that loses or cannot secure bridge financing may face delivery delays or cancellation.