Palm Beach County Hard Money Lenders for Real Estate Investors
Need a hard money loan secured by real estate in Palm Beach County? This page has a list of direct hard money lenders that offer quick funding for a Palm Beach County 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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Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.

Equity Lending Solutions LLC
Reliable Capital for Fix & Flip and Ground Up Construction Loans / Direct Private Lender
Florida Hard Money Stats
According to private lending data provider, Analytics Logics, the average interest rate for hard money loans in Florida is 11.05%. Lenders are charging an average origination fee (points) of 2.50%. The average loan-to-value (LTV) for hard money loans in Florida is 64%, and the average loan amount is $197,133. These stats are the average of all the loans which were funded between April 1, 2023 and September 15, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Completed Hard Money Loans in Palm Beach County

Hard Money Loan for Retail Property Purchase in Boynton Beach, Florida
$935,000
Gelt Financial, a direct private commercial real estate lender, funded a $935,000 hard money loan for the acquisition of a 5,700-square-foot retail property in Boynton Beach, Florida. The Borrower had been working with a bank but they were taking too long to close, and the seller was not willing to extend the closing date. The purchase price was $1,3750,000. The Borrower put down $440,000 cash, so the loan-to-value for our loan was 68%. We received the initial request just before Thanksgiving. The term sheet was signed on Black Friday and we funded the following week. The property had 3 units. Two of them were leased and Borrower occupied the 3rd unit. The loan term was set at 24 months but we expect to be paid off in less than 6 months. There is no lock-out period. This hard money loan was funded in December 2021.

Gelt Financial, a direct hard money lender based in Delray Beach, provided 100% financing for the purchase and rehab of a single-family home in Boyton Beach. The Borrowers are 2 young guys who have flipped a number of houses in the area. We’ve had a long-term relationship with them and didn’t require them to contribute any of their own cash to this deal. The subject property was being sold at auction which is nearly impossible for most lenders to consider since the due diligence is very limited. However, this is in our backyard in Palm Beach County, so we didn’t need an appraisal. We paid a 5% deposit at the auction and then funded the balance a few days after. The title was held in an LLC that Gelt Financial owns and we also recorded a 1st mortgage, but no monthly payments were required. The 1st mortgage of $260,000 will earn interest, and we will receive 40% of the profits upon the sale, which we estimate will be around $400,000. This JV equity deal was funded in March 2021.