Hard Money Lenders in Florida Panhandle

The Florida Panhandle offers real estate investors access to hard money loans for property purchases, refinances, and equity cash-outs. Loans are typically secured by property equity, with a requirement of 30% equity or up to 75% LTV. Loan terms are short-term, generally 3 to 24 months.

Capital Funding Financial

Capital Funding Financial is a direct nationwide private lender offering fast, simplified loans. Close in 3+ days with minimal documentation - no tax returns, credit score requirements, or appraisals for most deals. LOIs in 24hrs. Streamlined process without any red tape or drama.

Loan Size:
$250,000 to $250,000,000
Loan Terms:
6 months to 24 months

Rates:
9.50% - 12.50%
Fees:
1.75% - 2.50%

Abyss Capital

Loan Size:
$50,000 - $2,000,000
Loan Terms:
6 months to 36 months

Rates:
11% to 15%
Fees:
2% - 3%

ALTO Capital

Alto Capital (formerly Equity Lending Solutions) is a direct private/hard money lender for Florida investment properties, including single-family, condo, condo-hotel, and multifamily. We offer 24-hour term sheets, 10-day closings, no prepayment penalties, and remote closing options. Foreign nationals welcome.

Loan Size:
$50,000 - $5,000,000
Loan Terms:
12 months to 24 months

Rates:
9% to 12%
Fees:
1% - 2.5%

ZINC Financial

Since 2006, ZINC Financial has funded billions in private money loans through its own fund. As a true direct lender, we offer fix-and-flip, rehab-and-rent, bridge, and construction loans with up to 92.50% LTC. We handle all decisions in-house, welcome investors with 660+ FICO, and require no prepayment penalty on rehab and bridge loans.

Loan Size:
$100,000 to $2,500,000
Loan Terms:
1 months to 360 months

Rates:
8.99% to 11.99%
Fees:
0.50% to 2.0%

Soviero Capital LLC

Soviero Capital is a family-run direct hard money lender providing asset-based real estate loans. We offer same-day commitments with up to 65% LTV, no credit checks, and terms up to 3 years. We consider improved properties for purchase, refinance, and cash-out loans, with flexible guidelines when risk profiles are satisfactory.

Loan Size:
$250,000 to $2,500,000
Loan Terms:
12 months to 36 months

Rates:
13% to 15%
Fees:
2% to 3%

Malve Capital

Malve Capital, a real estate private lending fund, offers bridge, fix and flip, ground-up, and refinance loans. As asset-based direct lenders, we handle all lending in-house with closing times as fast as 5 days. Our rates start at 9% with transparent fees, dedicated support, and minimal documentation. Each client gets a direct team contact.

Loan Size:
$50,000 to $5,000,000
Loan Terms:
6 months to 24 months

Rates:
9% to 12%
Fees:
1% to 2%

Gelt Financial

Gelt Financial, a South Florida direct portfolio lender since 1989, provides non-bank loans for real estate investors. With 10,000+ closed loans, we offer direct access to decision-makers for fast approvals without committees. As private lenders, we welcome complex deals and tackle any financing challenge.

Loan Size:
$50,000 - $2,000,000
Loan Terms:
6 months to 5 years

Rates:
12% +
Fees:
3%

Crosby Capital USA

Crosby Capital USA is a unique and creative direct lender for short-term bridge loans in Florida and the New York City metro area. Our maximum LTV is a conservative 60%, but can fund loans that most other lenders shy away from.

Loan Size:
$200,000 to $50,000,000
Loan Terms:
2 months to 12 months

Rates:
11% to 14%
Fees:
1% to 3%