Commercial Loans in St. Petersburg & Tampa Bay
Commercial real estate, DSCR, SBA, bridge, hard money and construction financing from a Pinellas County office โ serving St. Petersburg, Clearwater, Tampa and the whole Tampa Bay area.
Talk to a loan consultantA Tampa Bay lender network with a local office
Commercial Loans Florida, Inc. works from 1155 Pasadena Ave S in South Pasadena โ minutes from downtown St. Petersburg and the Pinellas beaches โ Monday to Friday, 9 AM to 5 PM EST. Our team brings more than 50 years of combined lending experience and a network of banks, private lenders, debt funds, family offices and hedge funds, so one conversation covers every program a Tampa Bay property or business might need. We lend across Florida and in more than 40 states. More about the company.
Loan programs available in Tampa Bay
Choose the program that fits the property
Commercial real estate loans
Purchase and refinance of office, retail, industrial and mixed-use property. <a href="/commercial-real-estate-loans-in-florida">Commercial real estate loans</a>.
DSCR loans
Investment property qualified on the rent โ purchases at 80โ85% LTV and cash-out refinances. <a href="/dscr-loans-in-florida">DSCR loans</a>.
SBA 7(a) and 504
Owner-occupied real estate, acquisitions, equipment and working capital up to $5,000,000. <a href="/sba-loans-in-florida">SBA loans</a>.
Bridge and hard money
One to three year bridge loans and asset-based hard money with no minimum credit score. <a href="/bridge-hard-money-loans-in-florida">Bridge & hard money loans</a>.
Construction
Ground-up, tear-down and lot financing with draws in 48 to 72 hours. <a href="/construction-loans-in-florida">Construction loans</a>.
Apartment buildings
Multifamily purchase and refinance across the bay. <a href="/apartment-building-loans-in-florida">Apartment building loans</a>.
Retail plazas
Strip centers and shopping plazas. <a href="/retail-plaza-loans-in-florida">Retail & plaza loans</a>.
Industrial and warehousing
Warehouses, flex and industrial buildings. <a href="/warehousing-industrial-property-loans-in-florida">Warehousing & industrial loans</a>.
Property and business types we finance
Beyond the core programs, we finance the property types Tampa Bay runs on: assisted living facilities, medical and dental practices, RV parks and campgrounds, Airbnb and short-term rental multifamily, island and coastal property, automotive businesses, childcare centers and hemp businesses.
Areas we serve
- Pinellas County: St. Petersburg, South Pasadena, Gulfport, Clearwater, Largo, Pinellas Park, Seminole, Dunedin, Tarpon Springs and the beach communities
- Hillsborough County: Tampa, Brandon, Riverview, Plant City
- Pasco County: Wesley Chapel, New Port Richey, Land O' Lakes
- Manatee and Sarasota Counties: Bradenton, Lakewood Ranch, Sarasota
- The rest of Florida โ and more than 40 states through our lender network
How to get started
Frequently asked questions
Where is your office?
1155 Pasadena Ave S, South Pasadena, FL 33707, in Pinellas County next to St. Petersburg. Office hours are Monday to Friday, 9 AM to 5 PM EST.
Do I need to come to the office?
No. Most files are handled by phone and e-mail; you are welcome to visit if you prefer to meet in person.
Do you lend outside Tampa Bay?
Yes โ across Florida and in more than 40 states.
Which loan fits an investment property in St. Petersburg?
A DSCR loan when the property is rented: it qualifies on the rent, with purchases at 80โ85% LTV and cash-out refinances. A bridge or hard money loan when the property needs work first.
Which loan fits the building my business operates from?
An SBA 7(a) or 504 loan for owner-occupied real estate, or a commercial real estate loan โ we compare both for your file.
What do you need to start?
The property or business, the purpose of the loan, the amount, the timeline and a short summary of the borrower. We tell you what else the lender needs after that.
What are your rates?
Rates vary with the program, the property and the file. We quote terms after reviewing the deal.
How long does it take?
It depends on the program and the file โ hard money and bridge loans close faster than bank and SBA loans. Tell us your date and we will say whether it can be met.
Financing a property or business in Tampa Bay?
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 Tampa Bay property or business.