Hard Money Loans in Florida

Fast and Flexible Real Estate Financing

When conventional funding is not enough, hard money loans in Florida provide a quick, adaptable alternative. Serving as temporary solutions, these tailor-made, short-term choices offer fast access to funds. Hard money loans allow you to take advantage of real estate opportunities quickly with efficient approval processes and flexible terms.
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Fast Cash with Reliable Service

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5-star rating on Google

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Funding up to $10,000,000

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No fixed payments

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30 years of industrial experience

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No Mortgage Needed for Approval

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Short-Term Repayment

What are Hard Money Loans?

Hard money loans, also known as private money loans or asset-based loans, are short-term loans secured by real estate. These loans are typically provided by private investors or lending institutions and are based on the value of the mortgaged property rather than the borrower’s creditworthiness.
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Key Features of Our Hard Money Loans

speed & flexibility

Fast Approval and Funding

One of the primary advantages of Florida hard money loans is their speed. Our streamlined process allows for quick approval and funding, enabling you to act swiftly on real estate market opportunities.
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Asset-Based Lending

Hard money loans are primarily based on the value of the property being used as a mortgage. This means that your credit score and financial history are of less importance, making it accessible to borrowers with unique financial situations.
short term repayment

Short-Term Repayment

A hard money lender in Florida typically has short repayment terms, often ranging from 12 to 24 months. This allows you to secure the necessary financing without committing to a long-term financial obligation.
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Versatile Use of Funds

Whether you’re looking to purchase, renovate, or refinance a property, hard money loans can be used for various real estate market purposes.
seamless transaction

Expert Guidance

Our team of experienced commercial lending advisors can provide personalized guidance to ensure you make informed decisions throughout the loan program. We are here to help you from hard money loans to construction loan funding to refinancing/cash-out refinancing once the asset is stabilized and value has been added.

Property that Can be Financed with Hard Money Loans

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Single-family homes

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Multi-family properties

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Commercial buildings

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Rental Properties

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Fix-and-flip projects

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Vacant land

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Condominiums

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Mixed-use properties

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Industrial properties

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Retail spaces

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Construction projects

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Luxury Properties

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Distressed Properties

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Office buildings

Common Uses of Hard Money Loans

Hard money lenders often benefit from various real estate investment scenarios, including:

Fix and Flip Projects

Investors looking to purchase, renovate, and sell properties for a profit often use hard money loans to fund their projects.

Bridge Financing

When traditional financing is delayed or unavailable, hard money loans can bridge the gap until a more permanent financing solution is secured.

Property Acquisitions

Real estate investors can use hard money loans to acquire properties quickly, giving them a competitive advantage in the market.

Renovations and Repairs

Hard money loans can cover the costs of property improvements and upgrades, enhancing property value.

Counties Covered

Working Capital Marketplace lends in the following counties in Florida

Broward County

Collier County

Orlando

Charlotte County

Collier County

DeSoto County

Glades County

Hardee County

Indian River County

Lee County

Manatee County

Miami-Dade County

Osceola County and more!

Why Choose the Working Capital Marketplace for Hard Money Loans?

1000+ Businesses Financed

4.9 Star Rating on Google by Satisfied Clients

30+ Combined Years of Industrial Experience

Get Approval As Fast As 24 Hours

Seamless completion process

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When would a hard money loan be beneficial?

Quick Access to Funds

Hard money loans offer fast funding, typically secured in just 24 to 48 hours. This pace is essential for investors who need to quickly seize time-sensitive opportunities like auction purchases or competitive market offers, unlike traditional bank loans.

Overcome Credit Challenges

Obtaining traditional financing can pose challenges for borrowers with imperfect credit. Hard money loans are a good choice for individuals looking for fix and flip loans even if they have credit issues, as they prioritize the property’s worth.

Investment Properties

Hard money loans provide valuable advantages for funding a real estate investment in Florida. They offer fast financial support for acquiring and improving properties, allowing investors to capitalize on market chances and earn profits quickly.

Short-Term Financing Needs

Hard money loans are perfect for temporary funding needs and are typically short-term in nature ranging from 12 to 24 months. They offer immediate funds for scenarios such as stabilizing a rental property or addressing unforeseen renovation costs until securing long-term funding.

Streamlined for Success: Get Results in 3 Simple Steps

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Apply Online

Fast & Easy Online Application

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Review Your Options

Get connected with a Funding Manager dedicated to you, to review and customize options.

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Get Funded

Your Funds will usually be sent same day viawire or ACH

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What Customers Say?

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FAQ’s

How do Hard Money Loans Work?

Hard money loans provide rapid, temporary funding depending on the value of the property. They get the green light and financial support in just two weeks, offering quick, versatile alternatives for real estate investors in contrast to standard loans.

How do Hard Money Loans Differ from Traditional Loans?

Hard money loans, in contrast to regular loans, are secured by assets, mainly real estate. Private lenders issue them instead of banks and provide a steady, usually unchanging, interest rate. This indicates that the borrower’s credit rating is not the main factor, but rather the worth of the asset being used.

Are there Any Credit Requirements?

Many hard money lenders do not set minimum credit score prerequisites. Instead, their emphasis is on the worth of the collateral, which allows borrowers with bad credit to obtain these loans.

What Documents do I Require for a Hard Money Loan?

Proof of income, a list of assets and liabilities, property details, and identification are necessary when applying for a hard money loan. These papers assist lenders in assessing both the worth of the property and your capacity to repay.