Direct Lender for Florida Residential Real Estate Investors

Equity Lending Solutions (ELS) is a direct private/hard money lending company for various types of investment properties throughout Florida: Single Family Homes, Condo, Condo-Hotel, Multifamily. At ELS we focus on tailoring the loans to each specific borrower type, we believe in transparency and with no surprises at the closing table! We provide Outstanding Customer Service for real estate investors.

  • Term Sheet in less than 24 hours
  • Easy and friendly underwriting
  • No Pre Payment penalties
  • Closing in record times (10 Days or less!)
  • Online notarization available for remote closings
  • We do Foreign Nationals

Requirements from the Borrower side:

  • Loan Application (1003)
  • Credit score above 620
  • No Foreclosures or Bankruptcy in the last 3 years
  • Last 3 bank statements
  • Entity documents (Operating agreement, Certificate of good standing, Articles of incorporation)

Please note: We DO NOT consider vacant land or rural properties.

Property Geographic Area Details

Florida only - all metro areas

Loan Amounts

$90,000 to $5,000,000

Interest Rates

7.99% to 10%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 3%

Loan Terms

6 months to 24 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
  • Personal Use

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Condominium
  • Mixed-Use
  • Multifamily
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent

Purchase Loan

We fund to up 80% of the purchase price for rehab projects. For a standard acquisition with no rehab, our max is 70%.

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Maximum After Repair Value


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • LLC
  • Limited Partnership
  • Corporation

Documentation Required

  • Credit Report
  • Bank Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Fees which are mandatory for all new borrower clients

  • Deposit

Fees which are charged upfront prior to loan closing

  • Underwriting Fee
  • Legal Fee
  • Credit Report Fee

Equity Lending Solutions is the results of  years of experience combined of our 3 partners in the lending business, we have been brokering deals since 2014 with many private lenders in the South Florida Market. We decided to take our business to the next level taking an approach from the borrowers side, to create a direct private lender that understand and satisfies investors needs.

Company Size (Number of Employees)


Year Established


Office Locations

Haim Benarroch
12000 Biscayne Blvd Suite 504, North Miami Beach, Florida 33181

Primary Capital Source

  • Own Funds
  • Friends & Family

Alternative Capital Sources

  • Individual Investors
  • Family Offices
  • Asset Management Companies

Loan Structure for Majority of Loans

  • Own Balance Sheet

Alternative Loan Structures

  • Own Balance Sheet
  • Table Funding with Capital Partner

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Banking
  • Residential Mortgage Banking
  • Note Investing

Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2019 Number of Loans Funded


2019 Loan Volume Funded


Haim Benarroch


Daniel graduated from international business at FIU with an MBA in finance from NSU, has been on the private lending business since 2016, helping borrowers and investors to fund their deals. Daniel has been a realtor as well focusing on the South Florida market, with ample knowledge of the market, Daniel is able to find comps and evaluate collateral in seconds.

Gabriel Sultan


Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.


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