New Construction Loans Florida

Fast Funding for New Construction Loans in Florida!

Florida’s most profitable deals don’t wait on bank committees, and neither should you. Our new construction loans are built for serious real estate investors who need quick, asset-based capital to control dirt, lock in permits, and get vertical fast. We underwrite the strength of your project and exit—not your tax returns—so you can move confidently on single-family builds, infill spec homes, and multifamily developments across the state’s hottest growth corridors. With local Florida expertise, fast decisions, and flexible draws, we help you turn entitled land and approved plans into completed product and realized returns.

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Why Choose Us for New Construction Loans in Florida?

Fast Funding

Close in as little as 48 hours

High LTV

Up to 80% purchase price

No Income Verification

Asset-based lending

Interested in Detailed Discussion?

Connect with Florida’s Real Estate Funding Expert

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The Process of Getting a New Construction Loan in Florida

Step-1: Discovery

Connect with our Florida Funding Expert & discuss your proposal. If everything looks good, we will move to the next step.

Step-2: Diligence

Our team of experts will evaluate the deal & share their insights & take on the proposed deal.

Step-3: Deal!

After agreeing upon the values & timelines, the contract will be signed & the funds will get processed.

Cities We Service in Florida

Loans We Offer in Florida

Why Investors Choose Us to be their Private Money Lenders in Florida?

Our loans start at 9.99%

Upto 80% LTV

We close deals in 4-7 days!

Need Proof of Funds Letter for Your Florida Deal? Get it Now!

Hard Money Lender Florida is a direct lender & not a broker! Our NMLS is: #1390213

Florida Market Insights for New Constructers

Florida’s new construction sector continues to thrive amid sustained migration and housing deficits, with single-family starts concentrated in high-growth zones like the I-4 corridor, Tampa suburbs, and Central Florida exurbs.

Investors are capitalizing on infill opportunities where shovel-ready lots offer 25-35% spreads from build cost to after-repair value (ARV), ideal for phased hard money funding.

Meet Florida's Real Estate Expert :
Yuval Elkeslasi

Yuval Elkeslasi, the driving force behind Hard Money Lenders IO, has established a significant presence in the finance industry. Hailing from Queens, NY, his innovative lending strategies have reshaped the landscape. Armed with a bachelor’s degree in Finance from Florida State University, Yuval’s career has soared to unprecedented heights.
Under his guidance, Hard Money Lenders IO has introduced a diverse range of loan programs, each tailored to specific needs. These include fix and flip, new construction, cash-out refinance, rental property loans, and even yacht loans. His instrumental role in securing an $8 million construction loan for a spec home builder in Port Royal, Naples, and managing the financing for a 72’ 2024 Viking Convertible, valued at $7.2 million, is a testament to his expertise.
His dedication to providing personalized service, competitive rates, and flexible financing options is unparalleled. His deep understanding of the lending market allows him to work closely with clients, valuing their unique needs and identifying the best solutions. Whether it’s residential projects or luxury yacht financing, Yuval is committed to helping clients achieve their financial goals with expertise and professionalism.

Yuval Elkeslasi

Answers You Might Be Looking For

What is a hard money construction loan?

A hard money construction loan is short‑term, asset‑based financing used to fund ground‑up builds, where the lender focuses on the project’s value and structure rather than just your credit or long‑term income.

How is a hard money construction loan different from a bank construction loan?

Bank construction loans usually require full employment history, high credit scores, and 3–6+ months of underwriting. Hard money lenders approve faster, fund in weeks, and prioritize the project’s risk and after‑build value over personal financials.

What types of projects qualify for new construction financing?

We typically finance:

Single‑family homes (spec, custom, or investor‑built)
Multi‑family and townhome projects
Small‑to‑mid‑size commercial ground‑up builds
Exact minimums (square footage, lot size, etc.) depend on your lender’s underwriting.

How much money can I borrow for construction?

We advance 50–75% of the land value plus a percentage of hard‑construction costs, depending on experience, market, and project risk. The total is usually structured as a loan‑to‑cost (LTC) rather than just loan‑to‑value.

What are typical interest rates and fees?

Rates for construction‑focused hard money loans often range from roughly 8–15%, with origination in the 2–5 point range, plus possible draw‑inspection or reserve fees. Exact pricing depends on your track record, market, and project risk.

How long are the loan terms?

Construction‑phase terms are usually 6–18 months, with interest‑only payments during builds. Many lenders also offer a conversion‑to‑bridge or refinance option once the project is stabilized.

How does the draw schedule work?

Funds are typically released in staged draws (e.g., land, foundation, framing, rough‑in, finish, final), tied to inspection‑verified milestones. Inspections confirm that the work completed justifies each draw