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Soviero Capital

Soviero Capital

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.
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Soviero Capital

1025 West Indiantown Road, Suite 106, Jupiter, Florida 33458
(561) 834-6864
info@sovierocapital.com
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Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

$300mm
Capital Deployed
400+
Properties Funded
1980
Year Founded
Soviero Capital LLC is a Jupiter, Florida-based family-run hard money lender founded in 1980, with 400+ loans funded and $300M+ in total capital deployed. Operating as a direct balance-sheet lender, Soviero Capital is managed by 3 family principals who make same-day lending decisions without committee delays. Their differentiator is extreme flexibility on property types and borrower structure - they lend on commercial, multifamily, and specialty asset classes that most hard money lenders decline, with no credit check required, conservative max 65% LTV, and closings in as few as 3 days.

Where They Lend

Local
Florida, Georgia, Texas
Soviero Capital lends on improved properties in Florida, Georgia, and Texas. Their primary market is Florida, where they are headquartered in Jupiter - they have funded 18 loans in Florida over the past 12 months. They do not lend on vacant land in any state.

Loan Types, Structures and Terms

$250,000 to $2,500,000
Typical Loan Amounts
12 to 36 Months
Typical Terms
13.00% to 15.00%
Typical Interest Rates
2.00% to 3.00%
Typical Points
Soviero Capital offers Fix-and-Flip bridge loans and short-term bridge loans for purchase, refinance, and equity cash-out transactions - all capped at 65% LTV with no credit check required and same-day commitment capability.
Fix-and-Flip
Short-Term Bridge
Soviero Capital Fix-and-Flip loans fund residential and commercial value-add projects up to 65% LTC with no credit check required, same-day commitment from the 3-person family principal team, and closings in as few as 3 days.
Fix & Flip FeatureStructure & Terms
Project TypesResidential (SFR, 2-4 units, condos), multifamily, commercial, mixed-use, industrial, hotel/motel, storage, healthcare, and specialty properties. No vacant land.
Loan Limits & Terms$250,000 to $2,500,000 | 12 to 36 months | Interest-only, first-lien | 6-month minimum interest prepayment guarantee
Rates & Fees13% to 15% interest rate | 2% to 3% origination | $750 document review fee | Legal fees up to $3,000 (borrower pays) | Appraisal required in most cases (borrower pays)
Leverage Ratios (LTC/ARV)Residential Fix & Flip: Max 60% LTP / 60% LTC / 65% LTARV | Residential Rehab & Hold: Max 65% LTP / 65% LTC / 70% LTARV | Commercial Value-Add: Max 65% LTP / 65% LTC / 70% LTARV
Structural AdvantagesNo credit check required. 3-principal family team provides same-day commitment. Cross-collateralization with other properties accepted. Closes in as few as 3 days. Minimum 1 prior value-add project required.
Soviero Capital Short-Term Bridge loans provide fast-close capital for purchase, refinance, and equity cash-out transactions on residential and commercial properties in Florida, Georgia, and Texas - with no credit check, same-day commitment, and up to 65% LTV across all programs.
Bridge Loan FeatureStructure & Terms
Use CasesPurchase (as-is or stabilized), rate-term refinance, equity cash-out, partner buyout, foreclosure bailout, discounted note payoff, and owner-occupied Florida refinance with business-purpose cash-out.
Property TypesResidential (SFR, 2-4 units, condos, luxury homes), multifamily, commercial, mixed-use, industrial, hotel/motel, storage, short-term and vacation rentals, cannabis-use properties, and more. No vacant land, no gap funding.
Loan Limits & Terms$250,000 to $2,500,000 | 12 to 36 months | Interest-only, first-lien only | 6-month minimum interest prepayment guarantee | No 2nd lien positions
Leverage Ratios (LTV)Purchase (no value-add): Max 65% LTP across residential, multifamily, and commercial | Refinance (no cash-out): Max 65% LTV | Cash-out refinance: Max 65% LTV | Preferred equity: Max 75% CLTP | 35%+ down payment required on all purchase loans
Structural AdvantagesNo credit check required. Seller financing in 2nd lien position considered. Cross-collateralization with other properties accepted. Foreign nationals considered (subject to counsel). Closes in as few as 3 days. Proof of funds letters available.

Borrower Qualifications (Are you qualified?)

Soviero Capital qualifies borrowers based entirely on the asset and deal structure - no credit check required on any program. All entity types accepted including individuals, LLCs, trusts, corporations, and self-directed IRAs. Personal guaranty always required.
Qualification ParameterLender Requirements
Experience LevelsExperience required for rehab/value-add loans. Minimum 1 prior value-add project required for fix-and-flip and commercial value-add programs. Bridge and as-is purchase loans have no experience requirement.
Credit RequirementNo Credit Check Required. Soviero Capital does not pull credit or evaluate credit scores on any loan program. Qualification is based entirely on the asset and deal structure.
Income VerificationTax Returns and Bank Statements Required. Unlike most hard money lenders, Soviero Capital requires tax returns and bank statements as part of the documentation package.
Entity RequirementIndividuals, LLCs, Corporations, Trusts, and Self-Directed IRAs all accepted. Unlike most hard money lenders, Soviero Capital will lend to individuals - not just business entities. Personal guaranty always required.

Underwriting Process (How long will it take to get approved?)

Soviero Capital underwrites in-house with a 3-person family principal team providing same-day commitments. They conduct a personal site visit on most properties and require tax returns, bank statements, and an appraisal (sometimes BPO accepted) before funding.
Stage / RequirementProcess & Timelines
Initial ReviewSubmit deal directly to the Soviero Capital family principal team. Same-day commitment typical on qualifying deals. Direct communication with decision-makers throughout - no loan officer hand-off chain.
Property ValuationPersonal site visit required on most loans (site visit fee charged at cost, refunded if loan does not close without borrower misrepresentation). Appraisal required in most cases; BPO accepted on a case-by-case basis. Borrower pays appraiser directly.
Speed to CloseTypical close in 6 days; fastest close in 3 days on qualifying deals. Proof of funds letters available for purchase transactions.
Document ChecklistTax returns, bank statements, loan application, purchase contract (if applicable), entity documents, and property under contract. Title insurance required (borrower pays). Environmental report required on commercial properties where applicable.

Draw Process (How long will it take to get draws?)

Soviero Capital uses a reimbursement-based draw system with a $1,000 per-draw fee plus on-site inspection costs. Unlike most hard money lenders, renovation funds are NOT pre-funded into the loan - investors fund each phase and request reimbursement after site inspection approval.
Operational StepMethodology & Timelines
Draw SystemReimbursement-based. Investor funds each completed phase of the rehab budget upfront, then submits a draw request for reimbursement after Soviero Capital inspects the completed work.
Inspection MethodOn-site physical inspection required. A Soviero Capital principal personally visits the property to verify completed work before each draw is approved. Inspection fee charged at cost per visit.
Funding TurnaroundDraw funds released after on-site inspection approval. Timeline dependent on inspection scheduling - coordinate draw requests with your FlipperForce project schedule to protect contractor payment timelines.
Draw Fees$1,000 per draw request plus on-site inspection costs. Factor these fees into your FlipperForce Project Budgeter when modeling total rehab carrying costs.