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 680
  • 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
9.99% to 11%
Loan Terms
12 months to 16 months
Origination Fees
1.5% to 3%
Lien Position
Collateral Types
  • Residential Property
  • Commercial Property
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

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 75%
Max LTP Multifamily: 70%
Max LTP Land: 60%
Purchase Long-Term
Max LTP Residential: 80%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 70%
Refinance Long-Term
Max LTV Residential: 80%
Residential Fix & Flip
Max LTP: 85%
Max LTC: 85%
Max LTARV: 75%
Residential Construction
Max LTP Land: 60%
Max LTC: 85%
Max LTCV: 70%

Property Types

  • 2-4 Units Residential
  • 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
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

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


Fees which are mandatory for all new borrower clients

  • Deposit

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


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


Contact Equity Lending Solutions LLC

Equity Lending Solutions LLC pays us to be listed, so there is no fee to connect with them directly.

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Founded in 2019, We have become one of the biggest lenders in Florida. Over $300M Funded loans.


Equity Lending Solutions delivers reliable capital for small to mid size real estate investors.


We specialize on short term loans such as:


  • Fix & Flip
  • Grond Up Constructions
  • Bridge loans

We believe in long time relationships, helping our investors to grow their business.



Company Size (Number of Employees)


Year Established


Office Locations

Equity Lending Solutions
12000 Biscayne Blvd Suite 400, North Miami Beach, Florida 33181

Primary Capital Source
  • Own Funds
  • Individual Investors
  • Family Offices
  • Friends & Family
Alternative Capital Sources
  • Individual Investors
  • Family Offices
  • Asset Management Companies
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

Haim Benarroch


Gabriel Sultan


Hector Castro


Contact Equity Lending Solutions LLC

Equity Lending Solutions LLC pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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Our Minimum Loan Amount Is


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