Bridge & Hard Money Loans in Florida
Short-term, asset-based financing for Florida properties: bridge loans of one to three years, interest only, and hard money loans that are underwritten on the property, the equity and the transaction.
Talk to a loan consultantBridge loans: one to three years, interest only
A bridge loan carries a property between two events — the purchase and the permanent loan, a renovation and the lease-up, or a sale that has not closed yet. Our bridge programs run from one to three years with interest-only payments, on all property types.
- Terms of 1 to 3 years
- Interest-only payments during the term
- All property types — commercial, multifamily, mixed-use and residential investment
- Typical uses: buying before permanent financing is in place, value-add and lease-up, partner buyouts, and closings that cannot wait for a bank
- Exit into a DSCR loan or a commercial real estate loan once the property is stabilized
Hard money loans: the property carries the file
Hard money is lending on the asset. There is no minimum credit score, no income documentation and no credit requirement on our hard money programs — the lender focuses on the property, the equity in it and the transaction itself. That makes hard money the tool for borrowers a bank turns away, for properties a bank will not finance, and for deals that have to close quickly.
- No minimum credit score, no income and no credit required
- Underwritten on the property, the equity and the transaction
- All property types
- Cash-out on equity you already hold
- Ground-up, tear-down and lot financing through our EasyBuild construction program — draws fund in 48 to 72 hours
Fix & flip financing
Our fix and flip programs are built for investors who buy, renovate and sell. First-time investors are welcome. Programs start at 20% down, and when the numbers support it a flip can be financed up to 100% of the purchase price. Some programs have no credit, income, appraisal or experience requirement — it comes down to the property and the plan.
Where bridge and hard money fit
Time-sensitive closings
When the seller, the auction or the contract date will not wait for bank underwriting.
Fix & flip
Purchase and renovation financing for investors, first-timers included.
Ground-up and tear-down
Builder financing through <a href="/construction-loans-in-florida">our construction loans</a> and the EasyBuild program.
Cash-out on equity
Pull equity out of a property you own for the next acquisition or the business.
Purchase before permanent financing
Close now, then refinance into a <a href="/commercial-real-estate-loans-in-florida">commercial real estate loan</a>.
Rental exit
Season the property, then move into a <a href="/dscr-loans-in-florida">DSCR loan</a> with no personal income check.
How a bridge or hard money loan comes together
Learn more
Our guide Understanding hard money loans for Florida commercial properties explains how asset-based lenders look at a file, and Exploring alternative financing options for Florida commercial real estate covers where bridge financing sits next to bank loans.
Frequently asked questions
How long is a bridge loan?
Our bridge programs run from one to three years, with interest-only payments during the term.
Do I need good credit for a hard money loan?
No. Our hard money programs have no minimum credit score, no income and no credit requirement — the lender underwrites the property, the equity and the transaction.
What property types qualify?
All property types — commercial, multifamily, mixed-use and residential investment property.
How fast can a hard money loan close?
Faster than a bank, but the exact timing depends on the file, title and insurance. Tell us your closing date and we will tell you whether it can be met.
How much will the lender advance?
It depends on the property, the equity and the transaction. Fix and flip programs start at 20% down and can reach 100% of the purchase price when the numbers support it.
What does a bridge or hard money loan cost?
Rates and fees vary with the file, the property and the term. We give you the terms after reviewing the deal.
Can I pay a bridge loan off early?
It depends on the program — ask us about prepayment terms when we quote the loan.
What happens at the end of the term?
The property is sold or refinanced — commonly into a DSCR loan for rentals or a commercial real estate loan for stabilized commercial property.
Fix and flip financing: Our full fix and flip program — up to 100% purchase and rehab financing on qualifying projects, no appraisal and closings in 8–15 days — is explained on Florida fix and flip loans.
Have a deal that cannot wait?
Contact usCommercial Loans Florida, Inc. is located at 1155 Pasadena Ave S, South Pasadena, FL 33707 and is open Monday to Friday, 9 AM to 5 PM EST. Call (727) 642-1166 or use the contact page to talk about your bridge or hard money loan.