Florida Private Real Estate Lending

Hard money loans for Florida real estate investors.

Direct business-purpose financing for acquisitions, fix-and-flips, bridge transactions and investment-property refinances. Disciplined underwriting. Clear terms. Direct decision-making.

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Published lending framework
12%Simple interest
12 mo.Initial term
3 ptsOrigination
FloridaInvestment property

Current published framework. Final structure is transaction-specific and subject to underwriting.

BUSINESS-PURPOSE ONLY
FIRST-POSITION SECURITY
CONTROLLED REHAB DRAWS
DIRECT DEAL REVIEW
Capital built around the transaction

A focused lending platform for serious investors.

SPI Capital evaluates the property, basis, leverage, business plan and exit—not merely a conventional consumer credit box.

Acquisition + renovation

Fix & Flip

Short-term financing for acquisition and improvement of Florida investment properties.

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Transitional capital

Bridge Loans

Private financing for time-sensitive acquisitions, refinances and transitional situations.

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Rental exit

Bridge-to-DSCR

Bridge financing for investors who intend to stabilize an asset before longer-term rental debt.

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Underwriting philosophy

Clarity before complexity.

A private lender should understand how the borrower makes money, how the loan gets repaid and what protects principal if the business plan changes.

The goal is not to force every transaction into a lending box. It is to structure deals where collateral, leverage and exit make sense.

PropertyCollateral quality, condition and marketability.
BasisPurchase price, current value and project cost.
Business planExecution, scope, timing and borrower capacity.
ExitSale, refinance or transition to stabilized rental financing.
Borrower process

From opportunity to closing.

Submit

Property, basis, requested loan, rehab and exit.

Review

SPI reviews transaction fit and preliminary structure.

Underwrite

Valuation, title, insurance, entity and diligence.

Close

Approved transactions move to definitive documents and funding.

Borrower tools

Know the financing economics before you submit.

Use the deal analyzer to estimate LTV, LTC, loan-to-ARV, monthly interest, points and financing cost.

Open Deal Analyzer
Resource center

Understand how private lending is structured.

Learn the mechanics behind leverage, rehab draws, closing costs and bridge-to-DSCR strategies before entering a transaction.

Explore resources →
Submit Your Deal