Florida Lenders
A curated directory of hard money lenders, short-term bridge providers, and long-term rental DSCR lenders actively funding investment properties throughout Florida.
Local Lenders in Florida
Aligning with a hyper-local private lender gives you access to real estate partners with direct, street-level expertise across local Florida neighborhoods. These local providers prioritize relationship-driven capital and physical property walk-throughs over rigid algorithmic checklists, offering flexible asset parameters and situational underwriting when national valuation models fall short on unique local deals.
Small Local Lenders
Soviero Capital
Jupiter
Fix-and-Flip
Bridge
Soviero Capital is a leading local private lender specializing in fast, reliable fix-and-flip bridge loans and short-term bridge financing secured by residential and commercial properties across Florida, Georgia, and Texas.
Large Lenders with Headquarters in Florida
BridgeWell Capital
Orlando
Fix-and-Flip
Bridge
BridgeWell Capital is a leading nationwide private lender specializing in fast, reliable fix-and-flip loans, cash-out refinancing, and commercial bridge loans across 20 states.
Gelt Financial
Boca Raton, Florida
Fix-and-Flip
Bridge
Gelt Financial is a direct portfolio lender specializing in creative private lending for investment real estate — fix-and-flip bridge loans and short-term bridge financing with no appraisal, no income verification, and credit problems understood since 1989.
Specialized & Niche Regional Lenders
Specialized capital providers built for complex, non-standard deals where larger lenders won't go
*No specialized lenders in our Network
Why Choose a Local Lender?
Local hard money lenders in Florida lend their own money or manage local investor capital — which means faster decisions and fewer corporate committee delays.
A local balance-sheet lender understands Florida's coastal property dynamics, non-warrantable condo landscape, and micro-market pricing shifts that national automated valuation models frequently miss. That ground-level knowledge translates directly to more flexible underwriting on deals that don't fit inside a national loan box.
Where local lenders win:
- Draw inspections handled in 24 to 48 hours rather than 5 to 7 business days
- Willing to lend on properties national platforms decline — coastal assets, non-warrantable condos, or flood zone properties
- Relationship-driven underwriting — your track record matters more than an algorithm
- More negotiable on terms for repeat borrowers
National Lenders Serving Florida
Nationwide institutional lenders offer highly scalable balance sheets and predictable, programmatic pricing formulas for investment projects throughout Florida. Backed by institutional-tier liquidity, these lenders utilize tech-forward online portals and automated draw pipelines to deliver streamlined deal management for rapid portfolio expansion across the state.
Mid-Market Regional Lenders
Well-capitalized mid-market, regional lenders that balance competitive pricing with common-sense underwriting and faster decision-making.
4.75% to 11.99%
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9% to 12.99%
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7.73%+
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6.25% to 13%
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Other Mid-Market Lenders
11.00% to 16.00%
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9.99% to 12.99%
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6.75% to 12.00%
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8.00% to 11.00%
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11.25% to 12.75%
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11.00% to 11.99%
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9% to 15%
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9.95%+
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Ternus
Charlotte, North Carolina
9.5%+
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15.00%
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Nationwide Institutional Giants
The largest, most heavily capitalized lenders in the country, funding high volumes of deals with competitive rates and standardized loan programs.
6.25% to 12.10%
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9.00% to 15.00%
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Kiavi
Pittsburgh, Pennsylvania
6.62% to 12.45%
Why Choose a National Lender?
National platforms bring institutional capital depth, standardized loan structures, and online portals that let you close, manage draws, and scale without picking up the phone.
Technology-driven underwriting means faster initial approvals and clear loan parameters upfront. Experienced investors with a documented exit history typically unlock the most competitive rates and highest leverage available in the Florida market.
Where national lenders win:
- Most competitive interest rates driven by institutional capital depth
- Higher leverage available for experienced borrowers on qualifying projects
- Apply online and receive a term sheet the same day — no prior relationship required
- No active project caps — finance multiple flips simultaneously
