Private Lending Built for Florida Real Estate
Fast capital for land, bridge, equity, and construction deals. No bank committees. No endless paperwork. Just straight answers and money that moves.
The Right Loan for Every Deal
We offer four core private lending products, each designed for a specific stage of the real estate investment cycle. Whether you're acquiring raw land, bridging a gap, tapping equity, or breaking ground — we have a structure that fits.
Land Loans
Acquire raw, agricultural, or undeveloped land fast.
Banks rarely touch raw land. We do. Our land loans are designed for investors and developers acquiring Florida parcels — from rural acreage to infill lots — with flexible terms and fast closings.
- Up to 65% LTV on raw land
- Rates from 10–13%
- 12–36 month terms
- Statewide Florida coverage
Bridge Loans
Short-term capital to close the gap and move fast.
When timing is everything, our bridge loans give you the capital to act now and refinance or sell later. Ideal for acquisitions, renovations, and time-sensitive deals where conventional financing is too slow.
- Up to 75% LTV
- Rates from 9–12%
- 6–24 month terms
- Close in as little as 7 days
Home Equity (HELOC)
Unlock equity in your investment property.
Turn existing equity into working capital. Our investment property HELOCs give Florida real estate investors a flexible line of credit to fund new acquisitions, improvements, or operating needs.
- Up to 70% CLTV
- Rates from 9–11%
- 12–36 month draw period
- Interest-only payments
Construction Loans
Ground-up financing for builders and developers.
Fund your ground-up build with a construction loan that draws as you build. We work with experienced builders and first-time developers across Florida on residential and light commercial projects.
- Up to 80% of construction costs
- Rates from 10–13%
- 12–24 month terms
- Draw schedule tied to milestones
Quick Comparison
| Feature | Land | Bridge | HELOC | Construction |
|---|---|---|---|---|
| Loan Type | Land Loan | Bridge Loan | HELOC | Construction |
| Max LTV | 65% | 75% | 70% CLTV | 80% of costs |
| Rate Range | 10–13% | 9–12% | 9–11% | 10–13% |
| Term | 12–36 mo | 6–24 mo | 12–36 mo | 12–24 mo |
| Min Amount | $100K | $100K | $100K | $150K |
| Payments | Varies | Interest-only | Interest-only | Interest-only |
Not Sure Which Loan Fits?
Call us and describe your deal. We'll tell you exactly which product makes sense and what terms to expect.