Commercial Hard Money Loans Florida

Fast Funding from $250k to $10M+

Closure in under 10 days!

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Reasons To Choose Us

Fast Funding

Close in as little as 48 hours

High LTV

Up to 80% purchase price

No Income Verification

Asset-based lending

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Zero Time Waste Process

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

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

Florida Market Insights

After years of unprecedented surges, the Florida market has entered a phase of strategic stabilization. While the frantic bidding wars of the early 2020s have cooled, demand remains robust in high-growth corridors. For investors, this means that success now hinges on precise execution and property-specific value rather than broad market hype.

Sector Spotlight: Industrial & Retail Resilience

Industrial/Flex Space: Demand for small-bay industrial and “last-mile” logistics remains at historic highs, particularly in the I-95 and I-4 corridors, as Florida’s population continues to outpace national averages.
Retail Renaissance: Neighborhood-centric retail and “service-based” centers (medical, wellness, and grocery-anchored) are outperforming traditional malls, driven by the steady influx of new residents to suburban hubs like Nassau County and West Orange.

Regional Powerhouses

Miami & South Florida: Remains a global magnet for capital, with the office sector seeing a “flight to quality” as financial and tech firms continue their migration from high-tax states.
Tampa & Orlando: Ranked as top-tier targets for 2026, these metros are seeing a surge in multi-family recovery and mixed-use developments, supported by a diverse job base and major infrastructure projects like the Gasworx district and Epic Universe expansions.

Answers You Might Be Looking For

What types of commercial properties do you finance in Florida?

We provide funding for a wide array of asset classes across the Sunshine State, including office buildings, retail centers, industrial/flex warehouses, multi-family units (5+), and mixed-use developments. We also consider specialty assets like self-storage facilities and hospitality properties on a case-by-case basis.

How quickly can I get funded?

Speed is our primary advantage. While traditional banks can take 60 to 90 days, we typically move from initial inquiry to a Letter of Intent (LOI) within 24 hours. Provided the appraisal and title work move quickly, we can close and fund your loan in as little as 5 to 10 business days.

Do you require a minimum credit score?

As an asset-based lender, our primary focus is the value of the real estate and the strength of your exit strategy. While we do review credit history, we do not have a hard “minimum score” requirement. We specialize in funding scenarios that traditional lenders turn down, such as bankruptcies, foreclosures, or “unstabilized” properties.

What are your typical Loan-to-Value (LTV) ratios?

For most commercial acquisitions in Florida, we fund up to 65% to 85% of the Purchase Price or Current Market Value. For “Value-Add” or renovation projects, we can often provide a higher percentage of the After Repair Value (ARV) to cover a portion of the construction costs.

Are there any geographic restrictions within Florida?

We lend across the entire state, with a strong appetite for major metropolitan hubs like Miami-Dade, Broward, Palm Beach, Tampa Bay, Orlando, and Jacksonville. We also consider emerging markets in the Florida Panhandle and Southwest Florida (Fort Myers/Naples) for qualified commercial projects.