Hard Money Lenders in Florida
Asset-based loans for Florida real estate investors — fix and flip, fix and hold, bailouts and commercial deals.
Apply NowWhat hard money lending is
A hard money loan is a short-term loan secured by the property itself. Instead of building the decision around your income, your tax returns and your credit report, a hard money lender looks at the property, its value after the work and the plan for the project. That is why investors use hard money when they need to move fast or when a bank simply does not fit the deal.
Commercial Loans Florida has been lending to Florida investors since 2014. Our main program is purchase and rehab financing for fix and flip loans in Florida, and we also offer hard money for bailouts and commercial mortgages.
Why investors choose our hard money loans
- Up to 100% purchase financing and up to 100% rehab financing on qualifying fix and flip projects in select markets
- Loans sized to a maximum of 75% of the after-repair value (ARV)
- Your credit score does not decide the loan — no credit requirement
- No employment verification: no tax returns, no W-2s
- No appraisal — the property is valued in-house
- No experience required to get started
- Closings in 8–15 days
- $100,000 minimum loan amount
What we finance
Fix and flip
Purchase plus rehab financing for properties you renovate and sell — see <a href="/fix-and-flip-loans-florida">Florida fix and flip loans</a>.
Fix and hold
Renovate a property and keep it as a rental — the same purchase and rehab financing applies.
Bailouts
Need to pay off a loan quickly? Ask about a bailout loan — <a href="/contact">contact us</a> with the details.
Commercial mortgages
Investment and commercial properties — call (727) 642-1166 to talk through the deal.
Hard money vs. a bank loan
A bank loan is built around the borrower: income, tax returns, employment, credit and an appraisal, and that process takes time. A hard money loan is built around the property and the deal. With us there is no employment verification, no tax returns, no W-2s, no credit requirement and no appraisal, and closings typically take 8–15 days. The trade-off is that hard money is short-term financing meant for projects, not a 30-year home loan.
Questions to ask any hard money lender
- Do you require an appraisal, or do you value the property in-house?
- How fast do you close once the file is approved?
- Is the loan sized on the purchase price, the after-repair value, or both?
- Do you finance the rehab budget, and how much of it?
- Do you lend to first-time investors?
- What fees are in addition to the loan — title, closing, taxes and insurance?
Our answers: in-house valuation, 8–15 day closings, a 75% of ARV maximum, up to 100% rehab financing on qualifying projects, no experience required, and title fees in addition. See fix and flip loan rates and costs for the costs to plan for.
How to get your loan
Hard money lenders across Florida
We lend statewide, with deep roots in Miami, Tampa and Orlando: hard money lenders in Tampa, hard money lenders in St. Petersburg, hard money lenders in Orlando, hard money lenders in Jacksonville, hard money lenders in Miami. Learn more about Commercial Loans Florida or read our 2026 investor guide to fix and flip financing.
Frequently Asked Questions
What is a hard money loan?
A short-term loan secured by real estate, where the property and the deal matter more than the borrower’s income or credit.
Do I need good credit for a hard money loan?
No. With our program the credit score does not decide the loan.
Do you verify income or employment?
No. There is no employment verification — no tax returns and no W-2s.
Do you require an appraisal?
No. The property is valued in-house.
How quickly can a hard money loan close?
Typically in 8–15 days once the file is approved.
What is the minimum loan amount?
The minimum loan amount is $100,000.
Do you work with brokers?
Yes. Brokers are welcome and their clients stay theirs.
Where do you lend?
Across Florida, with deep roots in Miami, Tampa and Orlando.
Talk to a Florida hard money lender today.
Apply NowCommercial Loans Florida, Inc. · 1155 South Pasadena S, Suite H, South Pasadena, FL 33707 · Call (727) 642-1166 · Monday–Friday, 9:00 AM–5:00 PM EST · NMLS 1283562. All loans are subject to final underwriting; title fees are additional.