Simplifying Investment & Commercial Loans in Florida
Forget the complexity of traditional lenders – we provide unmatched Florida commercial lending solutions for your business property financing and commercial real estate endeavors.
Easy Approval, Fast Funding
What we do?
We help you grow, without the hassle.
We specialize exclusively in commercial and business loans. Whether you’re looking for the lowest rates with full documentation, SBA, flexible stated income programs, or no-doc and hard money options, we provide financing solutions tailored to every type of business and commercial property. We cover more than 40 States!
What we can finance...
Anchored retail shopping center, unanchored retail, apartments, duplexes, tri-plexes, four-plexes, mobile home parks, office – single tenant and multi-tenant, SBA 504, SBA 7A, multi-family, flex space, warehouse, mini-storage (self-storage), industrial, medical office buildings, ambulatory care center, big box retail, restaurants, hotels, motels, resorts, auto dealerships, gas stations, owner-occupied buildings, assisted living facilities, independent living facilities – senior housing, nursing homes, hospitality – full service, limited service hotels, call centers, government leased buildings, land development, gentleman's clubs, churches, funeral homes, land, construction financing, triple net (NNN) loans, many more, enclosed retail malls.
Don't see what you are looking for? Call 727-642-1166
COMMERCIAL REAL ESTATE LOANS
Finding the right commercial real estate loan in Florida can be challenging. At Commercial Loans Florida, we specialize in helping business owners, real estate investors, developers, and property owners secure financing that fits their unique needs.
Whether you are looking to purchase, refinance, or develop a commercial property, our goal is to understand your transaction and find the best financing structure for you
- Retail & Shopping Centers
- Multifamily & Apartment Buildings
- Office & Medical Facilities
- Industrial & Warehouse Properties
- Self-Storage Facilities
- Hospitality & Hotel Financing
- Restaurants & Convenience Stores
- Special-Purpose Properties
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DSCR/RENTALS LOANS
Flexible financing for purchasing, refinancing, or improving commercial properties throughout Florida, including offices, retail centers, warehouses, multifamily properties, hotels, and other income-producing real estate.
- Purchases 80%-85% LTV & Refinance Cash-Out Available
- No ratio or .75 factor
- First-time investors
- 1-4 units or 5+
- No Rental Agreement Needed: Qualify based off whatever is higher, the market rent or rental agreement.
- We take the highest mid score between borrowers
- As low as 620 mid score for 70% LTV
BRIDGE LOANS
Short-term financing designed to bridge the gap between immediate capital needs and permanent financing, ideal for acquisitions, renovations, repositioning, refinancing, and time-sensitive opportunities.
- 1-3 years
- Interest only
- All type of properties
HARD MONEY LOANS
We offer hard money loans for commercial properties when traditional financing isn’t an option or simply takes too long. No minimum credit score is required—we focus primarily on the property, available equity, and the overall transaction. Our flexible approach allows us to consider deals that many traditional lenders cannot finance.
- No income
- No credit required
- All types of properties
FIX & FLIP LOANS
We make financing fix-and-flip projects simple. Whether you’re buying your first investment property or you’re an experienced investor, we focus primarily on the property and the opportunity. With flexible requirements, fast approvals, and financing for the purchase and renovations, we can help get your next project moving.
- Up to 100% of the purchase price (if it makes sense)
- No Credit, No Income, No Appraisal, No Experience
- First-time investors 20% down
SBA 7(A) AND 504 LOANS
The SBA 7(a) is the flagship program designed for general business use. If you need to boost your cash flow, buy out a partner, or purchase inventory, this is the versatile solution Florida entrepreneurs rely on.
The SBA 504 program is a powerful economic development tool that provides Florida small businesses with long-term, fixed-rate financing for major fixed assets. This is the premier choice for owner-users who want to stop renting and start owning.
- Loan Amount: Up to $5,000,000
- Terms: Up to 10 years
- All type of businesses
WORKING CAPITAL LOANS
We are looking for professional, licensed, and insured contractors and vendors to partner with us on a variety of projects.
Our portfolio includes an array of residential and commercial projects, with a special focus on associations, multi-family homes and single-family residences.
- Up to $500,000
- Minimal Documentation
- 550+ credit score.
RV AND CAMPGROUNDS LOANS
Whether you are acquiring a value-add park in Florida or developing a luxury glamping resort in the Pacific Northwest, we provide the sophisticated capital structures that traditional banks miss. We offer SBA loans and SBA loans alternatives.
- Competitive Rates
- Up to 90% loan-to-value (LTV)
- Up to $5M in funding
- Terms of up to 25 years
- No balloon payments
HOA LOANS
Tailored capital for major improvements and structural reserves. When traditional banks say no, Commercial Loans Florida provides the fast, flexible funding your community needs.
Whether you are a self-managed community or a large professionally managed condo association, we offer financing for:
- Capital Improvements: Roof repairs, siding replacement, and concrete restoration.
- Mandated Compliance: Funding for 40-year inspections, life safety upgrades, and SIRS (Structural Integrity Reserve Study) requirements.
- Operational Stability: Solutions for insurance premium increases, legal costs, and temporary cash flow shortfalls.
- We specialize in Bank Turndowns
ASSISTING LIVING FACILITIES LOANS
Commercial Financing & Working Capital for Healthcare, Assisted Living Facilities & Residential Assisted Living (RAL)
- We cater to Healthcare Facilities, Seniors housing, home care & home healthcare, and behavioral health (i.e. SUD, ABA, IDD, mental health).
- Independent Living (IL)
- Assisted Living (AL & AL/MC)
- Continuing Care Retirement Communities (CCRC)
- Memory Care - Stand Alone (MC)
- Hospice Care (HC)
- Medical Office (Multi-Tenant) (MOBM)
- Medical Office (Single Tenant) (MOB)
- Behavioral Health (BH)
- Bridge loans
- RAL, AL & AL/MC and more
LAND LOANS
flexible financing for residential lots and acreage. From streamlined 10-year fixed-rate investor programs to flexible alternative no-income-documentation solutions, we provide the capital you need to secure land under personal or LLC entities.
- 20% down with W2
- 40%-50% down with No income verification
- Residential Land/Lots
SPECS LINE OF CREDIT FOR BUILDERS LOANS
The Power of a Revolving Line of Credit
Scale your homebuilding business with a financing partner that understands the "spec" market. At BuilderLineOfCredit.com, we provide professional contractors and residential developers with a master revolving facility designed to keep your crews working and your inventory moving.
- Up to $5 Million.
- Up to 100% of eligible project costs.
- Residential, ground-up construction for-sale projects.
- Rates from prime + 1% to prime +3% for 5 years.
- Built specifically for "spec" inventory in approved markets.
- 5-year term with interest-only payments available.
- Minimum Loan Amount $500,000
CONSTRUCTION LOANS
We are looking for professional, licensed, and insured contractors and vendors to partner with us on a variety of projects.
Our portfolio includes an array of residential and commercial projects, with a special focus on associations, multi-family homes and single-family residences.
- Purchases 80%-85% LTV
- No ratio or .75 factor
- First-time investors
Because It’s Time To Seek
Financial Advice From Experts
We are not a bank, which means we do not require complex and tedious documentation. We are an alternative investment vehicle based on real estate collateral for Commercial Properties and Investment Properties.
Competitive rates
With robust capital, high leverage, and flexible loan options, you can confidently make offers that maximize your returns.
Fast lending processes
For your next investment property, having a reliable financing partner is essential to successfully closing the deal.
All types of loans
Expand your business with flexible programs and expert support from an industry-leading team at every step of your journey.
Not every transaction can be funded, and we never promise an approval before fully evaluating the opportunity. What we do promise is a serious review of your scenario. We will identify the challenges, evaluate the available options, and determine whether our lending relationships can provide a practical financing solution.
Frequently Asked Questions
What types of loans does commercial-loans-florida.com offer?
The website offers a variety of commercial and business loans including SBA loans, hard money loans, bridge loans, fix and flip loans, and more, catering to different types of commercial properties.
Is there a minimum credit score requirement for loans?
For hard money loans, there is no minimum credit score required; the focus is primarily on the property and available equity.
What types of properties can be financed?
Financing options are available for a wide range of properties including retail shopping centers, apartments, hotels, warehouses, and many more.
How quickly can I expect approval and funding?
The team emphasizes easy approval and fast funding, aiming to simplify the lending process for clients.
Do you provide loans for first-time investors?
Yes, the website offers financing solutions tailored for first-time investors across various loan types.
Can I finance properties in states other than Florida?
Yes, the services cover more than 40 states, providing nationwide commercial lending solutions.