Orlando Hard Money Lenders
Need a hard money loan secured by real estate in the Orlando metro area? This page has a list of direct hard money lenders that offer quick funding for a Orlando property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan.Searching...
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RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Alto Capital
Reliable Capital for Fix & Flip and Ground Up Construction Loans / Direct Private Lender
Yieldi
Direct, Reliable Lender for Investment Properties
Altaloans
Creative Direct Private Lending for Florida Real Estate Investors
Soviero Capital LLC
Asset-Based Hard Money Lender for All Types of Improved Real Estate (up to 65% LTV)
i Fund Cities
Great F#*%ing Loans, Built By Investors For Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Crosby Capital USA
Fast Bridge Loans for Multifamily and Residential Investment Properties
Coastal Equity Group
Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.
Stormfield Capital, LLC
Direct Balance-Sheet Lender for Investment Properties
IceCap Group
Flexible & Friendly Funding for Property Investors Across the Country
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
RBI Private Lending
Direct lender, specialized in Bridge, Fix and Flip and Construction. FN and new investors welcome.
Capital Funding Financial
Direct Lender for Investment Real Estate - 7 Day Closings - Low Rates
EquityMax
No Appraisals | Rural Locations, Mobile homes, land and other unique properties considered!
Gelt Financial, LLC
Creative Private Financing for Commercial Real Estate since 1989
HouseMax Funding
Hard Money Loans to Fund Your Next Big Project
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Center Street Lending
Smarter Loans for Residential Investors
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Florida Hard Money Interest Rates
According to the hard money loan documents software company, Lightning Docs, the average interest rate for Florida hard money loans in the 4th quarter of 2024 was 10.83%. The average loan amount was $528,001. These stats are the average of 786 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Florida between October 1, 2024 and December 31, 2024 by multiple hard money lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Here is a breakdown of average interest rates in Florida’s metropolitan areas:
Southeast Florida
The average interest rate for hard money loans funded in the Southeast Region of Florida (Miami & Fort Lauderdale metro area) in the 4th quarter of 2024 was 10.61%. The average loan amount was $793,974. Of the 205 total loans in the 3-month period, 109 were secured by properties in Miami-Dade County, 42 in Broward County, and 54 in Palm Beach County.
Southwest Florida
The average interest rate for hard money loans funded in the Southwest Region of Florida (Fort Myers, Cape Coral) in the 4th quarter of 2024 was 10.80%. The average loan amount was $364,390. The averages are derived from 90 loans secured by properties in Lee County.
Central West Florida
The average interest rate for hard money loans funded in the Central West Region of Florida (Tampa Bay) in the 4th quarter of 2024 was 10.82%. The average loan amount was $505,534. Of the 199 total loans in the 3-month period, 50 were secured by properties in Hillsborough County, 72 in Pinellas County, 34 in Charlotte County, 19 in Pasco County, 9 in Citrus County, 9 in Manatee County and 6 in Sarasota County.
Central Florida
The average interest rate for hard money loans funded in the Central Region of Florida (Orlando) in the 4th quarter of 2024 was 11.10%. The average loan amount was $388,239. Of the 83 total loans in the 3-month period, 34 were secured by properties in Orange County, 20 in Polk County, 13 in Osceola County, 11 in Seminole County and 5 in Lake County.
Central East Florida
The average interest rate for hard money loans funded in the Central East Region of Florida (Space Coast) in the 4th quarter of 2024 was 10.99%. The average loan amount was $370,008. Of the 49 total loans in the 3-month period, 25 were secured by properties in Brevard County, 15 in St. Lucie County and 9 in Volusia County.
Northeast Florida
The average interest rate for hard money loans funded in the North Region of Florida (Jacksonville) in the 4th quarter of 2024 was 10.72%. The average loan amount was $523,659. Of the 100 total loans in the 3-month period, 48 were secured by properties in Duval County, 45 in Marion County and 7 in St. Johns County.
Northwest Florida
The average interest rate for hard money loans funded in the Northwest Region of Florida (Panhandle) in the 4th quarter of 2024 was 11.13%. The average loan amount was $766,677. Of the 24 total loans in the 3-month period, 16 were secured by properties in Escambia County and 8 in Walton County.
According to private lending data provider, Analytics Logics, the average interest rate for Florida hard money loans in the 4th quarter of 2024 was 11.12%. Lenders charged an average of 2.1% points (origination fee). The average LTV (loan-to-value) for hard money loans in Florida was 64%, and the average loan amount was $404,060. These stats are the average of all the loans which were funded between October 1, 2024 and December 31, 2024 by the many hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.
8 Local Florida Hard Money Lenders
Here are the hard money lenders on our platform that are “local” lenders, based in Florida…
- Soviero Capital | Jupiter, FL
Soviero Capital is a small family lending company that offers hard money loans up to 3 years for many types of investment properties in Florida. They can be creative with deals, so long as the loan-to-value is no more than 65% and the loan amount is under $2.5MM. They are more of an asset-based lender and not too concerned about borrowers’ credit scores. - Capital Funding Financial | Boca Raton, FL
Capital Funding is a family office lending firm that can do deals which most other lenders cannot. Although they lend nationally, for deals in their home state of Florida, they can fund really fast and be more creative. Appraisals are not required for most of their Florida loans, for residential and commercial properties. - Gelt Financial | Boca Raton, FL
Gelt is one of the oldest hard money lenders in Florida, and one of the most creative. They lend on residential investment properties but primarily lend on commercial real estate in urban areas. They don’t mind borrowers with poor financials, so long as the property has enough equity for them to achieve a 65% loan-to-value or lower. Unlike most commercial real estate lenders, Gelt doesn’t mind small loan amounts as low as $100,000. We have had a relationship with Gelt since 2018 and have visited their office. - Crosby Capital USA | Miami Beach, FL
Crosby offers purchase and refinance hard money loans secured by residential and multifamily properties in urban areas throughout Florida. Their maximum loan-to-value is 60%, but they are mostly asset based and don’t shy away from challenging deals. They have done many foreclosure bailout loans. They like luxury rental homes but also lend on regular rental properties so long as the loan amount is over $200,000. - RBI Private Lending | Miami, FL
RBI offers hard money loans mainly for residential rehab and ground-up construction projects throughout Florida. The majority of their loans are for fix & flip, but they are very bullish with construction, including multi-home developments. According to Forecasa, RBI ranks in the Top 10 Florida hard money lenders in terms of loan volume. We have had a relationship with RBI since 2017 and have visited their office. - LendingOne | Boca Raton, FL
LendingOne is one of the largest hard money lenders in the United States for residential property investors. Their loan programs include rehab fix & flip, SFR ground-up construction and DSCR long-term rental. We have had a relationship with LendingOne since 2014 and have visited their office. - Alto Capital | North Miami Beach, FL
According to Forecasa, Alto Capital (formerly Equity Lending Solutions) ranks in the Top 3 Florida hard money lenders in terms of loan volume. They offer rehab, construction and DSCR loans for residential real estate investors. We have had a relationship with the company since 2019 and have visited their office. - Rok Lending | Aventura, FL
Rok offers larger hard money loans, ranging from $3MM to $100MM, and mainly for core commercial real estate – multifamily, retail, industrial, hotels. They also like luxury homes which are not owner-occupied. Their loans go up to 70% loan-to-value. This lending firm is operated by the Rok family, which has been a large real estate investor in Florida since the 1980’s.
Top 10 Florida Hard Money Lenders
According to Forecasa™, here are the Top 10 Hard Money Lenders ranked by the number of loans* originated in Florida from October 2024 to December 2024.
- Kiavi funded 565 loans
- RBI Private Lending funded 234 loans
- ROC Capital funded 226 loans
- Alto Capital (Equity Lending Solutions LLC) funded 212 loans
- American Heritage Lending LLC funded 178 loans
- Lendz Financial funded 171 loans
- Renovo Financial funded 141 loans
- Easy Street Capital funded 124 loans
- Velocity Commercial Capital funded 107 loans
- LendingOne funded 101 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform.
Florida Hard Money Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of loans secured by investment real estate in Florida which were funded by hard money lenders from January 2024 to December 2024.
- Approximately $1,621,060,404 of hard money loans were funded in the 4th quarter of 2024 for 2,816 borrowers.
- Approximately $1,832,633,107 of hard money loans were funded in the 3rd quarter of 2024 for 3,257 borrowers.
- Approximately $1,911,429,531 of hard money loans were funded in the 2nd quarter of 2024 for 3,279 borrowers.
- Approximately $1,504,239,619 of hard money loans were funded in the 1st quarter of 2024 for 2,914 borrowers.
Below are the approximate hard money loan volume amounts for Florida’s metropolitan areas:
Cape Coral-Fort Myers, FL
- 2024 Q4: $85,480,605 for 182 borrowers
- 2024 Q3: $105,513,227 for 219 borrowers
- 2024 Q2: $122,767,104 for 245 borrowers
- 2024 Q1: $110,868,211 for 223 borrowers
Deltona-Daytona Beach-Ormond Beach, FL
- 2024 Q4: $29,099,956 for 86 borrowers
- 2024 Q3: $41,346,675 for 125 borrowers
- 2024 Q2: $36,948,964 for 116 borrowers
- 2024 Q1: $36,048,974 for 118 borrowers
Jacksonville, FL
- 2024 Q4: $106,422,686 for 253 borrowers
- 2024 Q3: $94,611,558 for 276 borrowers
- 2024 Q2: $129,539,633 for 322 borrowers
- 2024 Q1: $85,370,348 for 255 borrowers
Lakeland-Winter Haven, FL
- 2024 Q4: $30,962,906 for 103 borrowers
- 2024 Q3: $65,463,528 for 129 borrowers
- 2024 Q2: $34,191,944 for 137 borrowers
- 2024 Q1: $29,941,359 for 117 borrowers
Miami-Fort Lauderdale-West Palm Beach, FL
- 2024 Q4: $595,747,387 for 702 borrowers
- 2024 Q3: $742,284,935 for 857 borrowers
- 2024 Q2: $725,059,535 for 830 borrowers
- 2024 Q1: $556,758,268 for 736 borrowers
North Port-Bradenton-Sarasota, FL
- 2024 Q4: $64,173,047 for 118 borrowers
- 2024 Q3: $75,070,385 for 145 borrowers
- 2024 Q2: $94,734,093 for 135 borrowers
- 2024 Q1: $89,136,019 for 141 borrowers
Orlando-Kissimmee-Sanford, FL
- 2024 Q4: $147,258,726 for 340 borrowers
- 2024 Q3: $137,619,315 for 332 borrowers
- 2024 Q2: $194,299,409 for 359 borrowers
- 2024 Q1: $113,903,990 for 275 borrowers
Palm Bay-Melbourne-Titusville, FL
- 2024 Q4: $19,518,864 for 80 borrowers
- 2024 Q3: $26,839,439 for 92 borrowers
- 2024 Q2: $24,027,406 for 87 borrowers
- 2024 Q1: $31,032,000 for 96 borrowers
Tampa-St. Petersburg-Clearwater, FL
- 2024 Q4: $258,685,946 for 518 borrowers
- 2024 Q3: $267,562,236 for 600 borrowers
- 2024 Q2: $264,941,689 for 586 borrowers
- 2024 Q1: $238,911,896 for 540 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
Select a Metro Area
Florida is a massive state, and many hard money lenders focus on particular metropolitan areas. Filter your search by selecting a metro area:
Miami & Fort Lauderdale | Orlando | Tampa Bay | Jacksonville | Palm Beach County | Fort Myers | Tallahassee | Pensacola
