Florida Private Money Lenders
Seeking a private money loan secured by real estate in Florida? On this page you'll find a list of direct private money lending companies that offer fast funding for a property purchase, refinance, or equity cash out in 1st lien position. Private money loansare for short-term (3-24 months) and primarily qualify based on equity in the subject property, at least 30% for most lenders. We only list professional private lending companies, not individual investors. 30% for most lenders. Scroll below the lender list to see some funded deal samples.Searching...
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Top 20 Florida Private Lenders
According to Forecasa™, here are the Top Private Lenders ranked by the number of private mortgage loans* originated in Florida from April 2025 to June 2025.
- Kiavi funded 633 loans
- Alto Capital (Equity Lending Solutions LLC) funded 294 loans
- RBI Private Lending funded 245 loans
- Lendz Financial funded 223 loans
- Renovo Financial funded 198 loans
- Easy Street Capital funded 193 loans
- American Heritage Lending LLC funded 174 loans
- ROC Capital funded 165 loans
- Velocity Commercial Capital funded 156 loans
- RCN Capital LLC funded 153 loans
- Visio Lending funded 116 loans
- Lending Spot LLC funded 109 loans
- Oaktree Funding Corporation funded 103 loans
- Cv3 Financial Services LLC funded 101 loans
- 212 Loans LLC funded 90 loans
- i Fund Cities funded 87 loans
- Dominion Financial Services LLC funded 85 loans
- Lima One Capital funded 85 loans
- Builders Capital funded 80 loans
- LendingOne funded 77 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 Private Money Interest Rates
According to the private money loan documents software company, Lightning Docs, the average interest rate for Florida private money loans in the 3rd quarter of 2025 was 10.32%. The average loan amount was $628,391. These stats are the average of 954 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Florida between July 1, 2025 and September 30, 2025 by multiple private lending companies 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 private money loans funded in the Southeast Region of Florida (Miami & Fort Lauderdale metro area) in the 3rd quarter of 2025 was 10.24%. The average loan amount was $963,849. Of the 266 total loans in the 3-month period, 137 were secured by properties in Miami-Dade County, 80 in Broward County and 49 in Palm Beach County.
Southwest Florida
The average interest rate for private money loans funded in the Southwest Region of Florida (Fort Myers, Cape Coral) in the 3rd quarter of 2025 was 10.31%. The average loan amount was $279,686. The averages are derived from 97 loans secured by properties in Lee County.
Central West Florida
The average interest rate for private money loans funded in the Central West Region of Florida (Tampa Bay) in the 3rd quarter of 2025 was 10.32%. The average loan amount was $380,597. Of the 265 total loans in the 3-month period, 55 were secured by properties in Hillsborough County, 89 in Pinellas County, 38 in Charlotte County, 18 in Pasco County, 17 in Citrus County, 10 in Manatee County and 38 in Sarasota County.
Central Florida
The average interest rate for private money loans funded in the Central Region of Florida (Orlando) in the 3rd quarter of 2025 was 10.39%. The average loan amount was $389,566. Of the 88 total loans in the 3-month period, 112 were secured by properties in Orange County, 19 in Polk County, 13 in Osceola County, 10 in Seminole County and 10 in Lake County.
Central East Florida
The average interest rate for private money loans funded in the Central East Region of Florida (Space Coast) in the 3rd quarter of 2025 was 10.51%. The average loan amount was $495,908. Of the 58 total loans in the 3-month period, 28 were secured by properties in Brevard County, 10 in St. Lucie County and 20 in Volusia County.
Northeast Florida
The average interest rate for private money loans funded in the North Region of Florida (Jacksonville) in the 3rd quarter of 2025 was 10.35%. The average loan amount was $855,804. Of the 84 total loans in the 3-month period, 41 were secured by properties in Duval County, 28 in Marion County and 15 in St. Johns County.
Northwest Florida
The average interest rate for private money loans funded in the Northwest Region of Florida (Panhandle) in the 3rd quarter of 2025 was 10.45%. The average loan amount was $1,658,701. Of the 14 total loans in the 3-month period, 12 were secured by properties in Escambia County and 2 in Walton County.
According to private lending data provider, Analytics Logics, the average interest rate for Florida private money loans in the 3rd quarter of 2025 was 11.20%. Lenders charged an average of 1.9% points (origination fee). The average LTV (loan-to-value) for private money loans in Florida was 62%, and the average loan amount was $537,600. These stats are the average of all the loans which were funded between July 1, 2025 and September 30, 2025 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top Florida Investors Using Private Lenders
According to Forecasa™, here are the some of the most active real estate investors in Florida that use private lenders, ranked by the number of mortgage transactions* from January 2025 to August 2025.
- EASY HOME BUYER LLC
- Homeward Inc
- Minnesota Holding Company LLC
- Cerberus
- Country Land Buyers
- Offerpad
- HI LAND PROPERTIES LLC
- FLORIDA SUN PARTNERS LLC
- Res LLC
- Mvp Homes INC
- NOELLAN HOLDINGS LLC
- Home And Land Buyers LLC
- Gibraltar Development LLC
- Alohomora LLC
- AJX HOMES FL LLC
- Hello Green Home LLC
- Ark 1436 LLC
- First Call Home Buyers LLC
- Stf Capital Group LLC
- 530 Athens LLC
Here are some of the lenders on our platform that have funded loans for the top residential real estate investors in Florida recently:
Kiavi | Coastal Equity Group | Certain Lending | American Heritage Lending LLC* Many of these real estate investors also use banks and traditional financing, but Forecasa data shows that they have recently used a hard money lender for their property investments.
Forecasa™ empowers real estate professionals with data-driven insights to wholesalers looking for cash buyers, real estate investors tracking their competition, or lenders seeking new clients. With access to property acquisition data, investor profiles, and transaction patterns, you can quickly identify active buyers, match deals to the right investors, and move properties faster. Whether you buy a few credits for targeted lookups or subscribe for full market access, Forecasa helps you stay ahead of the competition and build relationships with the most active players in your area.
Florida Private Lending Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of private mortgage loans secured by investment real estate in Florida which were funded by private lenders from January 2025 to December 2025.
- Approximately $- of private money loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $1,147,543,219 of private money loans were funded in the 3rd quarter of 2025 for 2,306 borrowers.
- Approximately $1,248,069,338 of private money loans were funded in the 2nd quarter of 2025 for 2,811 borrowers.
- Approximately $1,246,176,080 of private money loans were funded in the 1st quarter of 2025 for 2,732 borrowers.
Below are the approximate private money loan volume amounts for Florida’s metropolitan areas:
Cape Coral-Fort Myers, FL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $8,251,095 for 31 borrowers
- 2025 Q2: $13,594,629 for 52 borrowers
- 2025 Q1: $110,868,211 for 35 borrowers
Deltona-Daytona Beach-Ormond Beach, FL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $14,083,398 for 61 borrowers
- 2025 Q2: $16,160,552 for 57 borrowers
- 2025 Q1: $14,741,153 for 52 borrowers
Jacksonville, FL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $86,657,140 for 302 borrowers
- 2025 Q2: $62,315,319 for 291 borrowers
- 2025 Q1: $74,242,151 for 295 borrowers
Lakeland-Winter Haven, FL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $14,398,329 for 57 borrowers
- 2025 Q2: $23,231,040 for 77 borrowers
- 2025 Q1: $17,273,269 for 66 borrowers
Miami-Fort Lauderdale-West Palm Beach, FL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $416,987,183 for 516 borrowers
- 2025 Q2: $466,767,161 for 672 borrowers
- 2025 Q1: $428,799,982 for 605 borrowers
North Port-Bradenton-Sarasota, FL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $40,483,441 for 58 borrowers
- 2025 Q2: $46,607,863 for 92 borrowers
- 2025 Q1: $35,036,289 for 76 borrowers
Orlando-Kissimmee-Sanford, FL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $76,668,436 for 201 borrowers
- 2025 Q2: $97,939,605 for 256 borrowers
- 2025 Q1: $96,675,737 for 245 borrowers
Palm Bay-Melbourne-Titusville, FL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $17,171,697 for 44 borrowers
- 2025 Q2: $15,777,731 for 57 borrowers
- 2025 Q1: $10,889,206 for 38 borrowers
Tampa-St. Petersburg-Clearwater, FL
- 2025 Q4: $- for - borrowers
- 2025 Q3: $204,507,928 for 512 borrowers
- 2025 Q2: $258,127,393 for 664 borrowers
- 2025 Q1: $260,502,004 for 677 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..
8 Local Florida Private Lenders
Here are the private lending companies on our platform that are “local” lenders, based in Florida…
- Soviero Capital | Jupiter, FL
Soviero Capital is a small family lending company that offers private 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 private 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 private lending firms 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 private 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 private lending 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 private 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 private lending companies 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 private 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 private mortgage loans, ranging from $3MM to $100MM, and mainly for core commercial real estate – multifamily, retail, industrial, hotels. They also like luxury homes, so long as it is an investment property and not owner-occupied. Their loans go up to 70% loan-to-value. The firm is owned by the Rok family, which has been a large real estate investor in Florida since the 1980’s.
Select a Metro Area
Florida is a large state, and many private lending companies 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
