Home / Florida Hard Money Lender
Florida private credit
Florida hard money loans for real estate investors.
Business-purpose financing built around collateral, basis, execution and a defined exit strategy. Every transaction remains subject to underwriting.
What private lending is designed to solve.
Hard money is most useful when the transaction requires an asset-focused structure, a short-term solution or execution that does not align with conventional financing.
Common use cases
Fix & flipAcquisitionBridgeRefinanceRental stabilization
| Item | Current published framework |
|---|---|
| Interest | 12% simple interest |
| Initial term | 12 months |
| Origination | 3 points |
| Purpose | Business-purpose only |
| Geography | Florida investment property |
| Security | First-position mortgage, note and guaranty structure |
Underwriting
What SPI Capital evaluates.
Collateral
Property condition, current value, after-repair value where applicable and marketability.
Leverage
The requested loan relative to purchase price, current value, total project cost and exit value.
Exit strategy
A credible path to repayment through sale, refinance or another defined business-purpose outcome.
Have a Florida investment-property deal?
Start with the transaction.
Submit the property, requested loan, business plan and exit strategy for a preliminary fit review.