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Hard Money Lenders in Florida
10 of the 13 national hard money lenders we compared say on their websites that they lend in Florida. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). We also list 4 lenders based in Florida.
National lenders that lend in Florida
| Lender | Fix-and-flip rate | Max leverage | Min credit score | Loan size | Time to close |
|---|---|---|---|---|---|
| Lima One Capital | As low as 7.75% | Up to 95% LTC, 75% of ARV, 100% of rehab | 660 | $100K to $5M | Within 3 weeks for repeat borrowers; Bridge Plus in as few as 7 days |
| Kiavi | As low as 8.25% | Up to 100% LTC / 80% ARV (an FAQ on the same page says up to 95% LTC) | Not stated | $100K to $5M | As few as 7 days |
| Easy Street Capital | Starting at 8.90% | Up to 93% LTC (90% of purchase, 100% of rehab), up to 75% of ARV | 600 | $75K to $5M+ | As little as 24 to 48 hours (its pages give both) |
| New Silver | 9% to 11% | Up to 90% LTC | Not stated | Up to $5M | Average 10 days to close |
| Sherman Bridge | As low as 9.99% | Not stated | Not stated | Not stated | Not stated |
| Express Capital Financing | 10% to 12% | Up to 90% of acquisition and 100% of renovation (its meta description says up to 75% of total project cost) | 600 | $150K to $10M | As little as 5 days |
| LendingOne | Not published | Up to 92.5% LTC, 100% of rehab | Not stated | $100K to $3M | As little as 5 days (its FAQ says 10 business days) |
| Upright | Not published | Up to 90% of purchase, 92.5% of total cost, 75% of ARV; 100% of rehab | Not stated | $125K to $3.5M (1 to 20 units) | As few as 7 days |
| Ternus | Not published (priced by experience, credit and leverage) | Up to 90% of purchase (100% on Elite), 100% of renovation, capped at 70% of ARV (75% on Elite) | 660 for loans above $500K | $50K to $1M | Not stated |
| Griffin Funding | Not published | Not stated | Not stated | From $100K | Often 7 to 10 days |
Rates are each lender's advertised starting rate for fix-and-flip loans. Click a lender for its full terms.
Hard money lenders based in Florida
Ridge Street Capital
Miami, FL. Phone: 786-304-2751.
- Loans: Fix and flip, DSCR rental, construction, short-term rental
- Loan size: $50K to $3M (fix and flip)
- Rates: Fix and flip 10.5% to 11.75%; DSCR 6.0% to 7.99%; construction 10.99% to 12.25%; origination from 1.5%
- Where: Lends in AL, AR, CO, CT, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MO, MS, MT, NC, NE, NH, NM, NY, OH, OK, PA, RI, SC, TN, TX, WA, WI, WV, WY
Capital Funding Financial
Boca Raton, FL. Phone: (866) 999-2011.
- Loans: Fix and flip, bridge, construction, DSCR rental, commercial and multifamily bridge
- Loan size: $200K to $25M
- Rates: 9.00% to 11.99% (fix and flip)
- Where: Nationwide, with a focus on Florida, Texas, California and the East Coast
Hard Money Loan Solutions
Delray Beach, FL. Phone: 561-707-1753.
- Loans: Fix and flip, bridge, construction, DSCR rental, commercial, foreclosure bailout, second mortgage, foreign national
- Loan size: $100K to $50M
- Rates: Not published
- Where: All of Florida
A to Z Capital Lending
Boca Raton, FL (no street address on its site). Phone: 561-609-6699.
- Loans: Hard money, fix and flip, DSCR rental, bridge, commercial
- Loan size: Not stated
- Rates: Not published
- Where: Florida and nationwide; describes itself as a lender/broker
Other regional lenders that list Florida
The Norris Group
Corona, CA. Phone: (951) 780-5856.
- Loans: Hard money, rehab, new construction, purchase, refinance, non-recourse
- Loan size: $100K to $5M (California)
- Rates: From 9.9% in California (its homepage also says from 7.9% for qualified borrowers)
- Where: Lends in CA, FL
Tidal Loans
Houston, TX. Phone: 832-757-1262.
- Loans: Fix and flip, new construction, bridge, DSCR rental, transactional funding, multifamily, commercial
- Loan size: Not stated
- Rates: Not published; up to 90% of purchase and 100% of rehab
- Where: Lends in most states; does not lend in AK, CA, DE, HI, MN, ND, NM, NV, OR, SD, UT
Lenders that do not publish a state list
Groundfloor, RCN Capital, CoreVest do not publish which states they lend in. Ask them directly about Florida.
Compare all national hard money lenders
Frequently asked questions
Who are the hard money lenders in Florida?
10 of the 13 national hard money lenders we compared say on their websites that they lend in Florida. The lowest advertised starting rates among them: Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). We also list 4 lenders based in Florida.
What do hard money loans cost in Florida?
Among national lenders that lend in Florida, the lowest advertised starting rates are Lima One Capital (as low as 7.75%), Kiavi (as low as 8.25%), Easy Street Capital (starting at 8.90%). Points and fees come on top, and starting rates go to the most experienced borrowers with strong credit. Check each lender's terms.