Skip the banks
Close faster with confidence
Fast capital
for bold
Miami deals.
Hard money loans for fix and flip, purchase, bridge, commercial, and vacant land deals across South Florida. Same-day approvals available. Close in as few as 5 days.
Total Capital Deployed
Day Average Close
Rates Starting From
Deals Closed
Loan Programs
Capital structured for investors.
We lend our own capital, so decisions happen fast. When you call Funding Florida, you speak directly with the fund manager, not a middleman. We are built to move quickly on purchase, fix and flip, bridge, commercial, and vacant land deals.
Whether you’re acquiring, rehabbing, or closing on a time-sensitive opportunity, Funding Florida is built to move at your speed.
When banks say no—or take too long—we step in and get it done.
Bridge Loans
Short-term hard money for time-sensitive real estate opportunities. Ideal when you need to close quickly and traditional financing cannot move fast enough.
Rate
10.5% – 13%
Points
2 – 3
Max LTV
Up to 75%
Term
12 – 24 months
Minimum Loan
$500,000
Close Time
7 – 14 days
★ Most Popular
Fix & Flip Loans
Fast hard money for investors buying and renovating properties to resell. Move quickly on acquisition and rehab projects without bank delays.
Rate
9.5% – 12%
Points
1.5 – 2.5
Max LTV / ARV
75% / 70%
Term
6 – 18 months
Minimum Loan
$250,000
Close Time
5 – 10 days
Commercial Loans
Hard money financing for commercial real estate deals that need speed, flexibility, and direct decision-making from a private lender.
Rate
8.75% – 11%
Points
1.5 – 3
Max LTV
Up to 75%
Term
12 – 24 months
Minimum Loan
$500,000
Close Time
7 – 14 days
Get Funded
Ready to close your next deal?
Submit your deal details and we’ll review the opportunity quickly. You’ll speak directly with the fund manager and get a fast answer on fix and flip, purchase, bridge, commercial, and vacant land requests.
Get Your Term Sheet
Tell us about the property and deal. We’ll review it and follow up quickly.
From application to funded
in under two weeks.
1
Submit Your Deal
Complete our form — address, price, rehab estimate, and exit strategy. That’s it.
2
Term Sheet in 24 hrs
A senior loan officer reviews your deal and sends a clear, transparent term sheet within one business day.
3
Appraisal & Underwriting
A senior loan officer reviews your deal and sends a clear, transparent term sheet within one business day.
4
Close & Wire Funds
Sign at any South Florida title company. Funds wire same or next day. Your deal closes, your project begins.
What Sets Us Apart
Built by investors, for investors.
If your real estate deal makes sense, we’ll move quickly to get you approved—often the same day—and funded without the headaches of traditional lending.
We specialize in working with investors who need certainty, speed, and a lending partner who understands the deal—not just the paperwork.
- Direct private capital — we fund from our own balance sheet
- One dedicated loan officer start to finish
- $2.1B+ deployed across South Florida submarkets
- Repeat borrower discounts on rate and points
- No prepayment penalty options on most programs
⚡
Speed That Wins Deals
Close in 5–10 days and beat out conventional buyers. Our streamlined process was built around competitive Miami timelines.
🌴
Miami Market Experts
We’ve underwritten every zip code from Homestead to Palm Beach. Local knowledge means smarter, faster decisions.
🤝
One Point of Contact
No hand-offs. No call centers. One loan officer owns your deal from application to funding.
📈
Repeat Borrower Program
Your track record works in your favor. Portfolio investors earn preferred pricing and priority underwriting.
Let's Talk
Your next Miami deal
deserves fast capital.
Whether you’re flipping a Wynwood duplex or building a spec home in Coral Gables, we have the capital — and the market expertise — to get it done.