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Florida Hard Money Lender
Rates start at 9.99%
Why Florida Investors Choose Accolend
Fast, Reliable, and Local Financing in Florida
In Florida’s competitive real estate landscape, opportunity doesn’t wait. Finding a reliable hard money lender in Florida is crucial for closing profitable deals fast. Unlike traditional lenders, Accolend offers quick, flexible, and transparent financing, including no-points loan programs, so you can move with confidence from the moment a deal surfaces. Our process is built to get you to closing as fast as possible, focusing on what matters: the asset’s potential.
Whether you’re flipping a single-family home in Miami’s vibrant neighborhoods, developing a multifamily unit in Tampa, or building a rental portfolio in Orlando, you need a funding partner who understands the market you’re working in. Accolend’s local knowledge across Florida’s most active submarkets means you get financing that’s structured around the realities of your deal, not a one-size-fits-all checklist.
Accolend’s Direct Lending Process
Working with the wrong lender can be costly. Delays lead to lost deals, unexpected upfront fees eat into your profits, and a lack of communication creates unnecessary stress. We’ve built our model to solve these exact pain points.
- Speed is Our Standard: We close loans in as few as 7-15 business days. Your next deal won’t be held up by slow underwriting.
- Save on Upfront Costs: Our popular no-points loan programs have saved borrowers significant capital, allowing them to scale their portfolios faster.
- Certainty of Execution: As a direct lender with in-house underwriting, the team you talk to is the team making the decisions. This means clear communication and a high degree of certainty from application to closing. Our underwriting is investor-minded, focusing on the deal’s viability, not just your credit history.
$950m Funded Across 1450+ Deals
We have funded over $950 million across more than 1450 deals nationwide. This extensive track record means we’ve encountered nearly every type of real estate scenario imaginable. For you, that translates into a smooth, predictable closing process, free from last-minute surprises. Our experience as a Florida hard money lender is built on a foundation of repeat clients who trust us for our reliability and deep market understanding. We’ve seen what works in the Sunshine State and use that knowledge to get your deal across the finish line.
Individualized Support for Every Step
Funding is only one part of the equation. We provide dedicated, one-on-one support to help you navigate your project from start to finish. As a direct lender and asset manager, we offer the certainty of execution you need. Our user-friendly loan portal allows you to track your application and loan status with ease, giving you full transparency. More than just a lender, our team offers guidance based on extensive local market knowledge. We help you understand the loan process and market conditions to make informed decisions for your investment.
The Ability to Fund any Florida Deal
Because we lend across 40 states, we have the capital reserves and institutional backing to fund your Florida deal with certainty, even in a volatile market. That scale means we can move quickly and handle projects of any size without hesitation. We’ve built deep familiarity with Florida’s regulatory landscape and market conditions, so nothing about your deal catches us off guard. Our financial stability ensures we remain a reliable partner through any market cycle, not just the favorable ones. Our national reach only strengthens the local focus and expertise we bring to every Florida investor we work with.
Hard Money Loans in Florida
Hard money loans are short-term, asset-based loans ideal for real estate investors who need to act quickly. Unlike traditional bank loans that focus heavily on borrower income and credit, hard money lending prioritizes the property’s value, which means no W-2s, no tax returns, and no debt-to-income calculations slowing you down. At Accolend, you get instant pre-approvals and same-day term sheets, with funding in as few as 7 business days.
Florida’s market rewards investors who can move fast. Coastal markets like Miami and Naples are seeing year-over-year appreciation above 6%, while Jacksonville and Orlando continue to post some of the strongest rental yields in the Southeast. We fund a wide range of property types across these markets, including single-family, multifamily, condos, and new construction, with loan amounts from $115,000 to $8,000,000. Ready to move on your next deal? Apply now and get a same-day term sheet.
Don’t Wait to Finance Your Deal in Florida
Close in as few as 7 days with a direct lender who knows the market.
Fix and Flip loans in Florida
Designed for investors looking to purchase and renovate properties for a quick resale, our fix and flip loans provide the leverage you need to maximize your ROI. We cover a significant portion of both the purchase and renovation costs. Florida’s fix and flip market remains one of the most active in the country, with markets like Tampa and Jacksonville consistently ranking among the top 10 metro areas for flip activity. With homes in many Florida markets selling in under 30 days, speed to funding is everything, and Accolend closes in as few as 7 business days so you spend less time waiting and more time rehabbing.
- Leverage: Up to 85% of purchase price and up to 100% of rehab costs
- Rates: Starting at 9.99% with no points
- Timeline: Close in 7-15 business days
Bridge loans in Florida
Bridge loans are perfect for closing funding gaps, acquiring a new property before an old one sells, or stabilizing a property before securing long-term financing. They provide immediate liquidity to seize time-sensitive opportunities.
- Leverage: Up to 75% of purchase price
- Rates: Starting at 9.99% with no points
- Timeline: Close in 7-15 business days
- Use Case: Deal for investors who need to move quickly on an acquisition or require short-term capital for repositioning an asset
Construction loans in Florida
For builders and developers, our ground-up construction loans provide the capital to take a project from concept to completion. We fund everything from land acquisition to vertical construction, with a clear and structured draw process in place.
- Leverage: Up to 65% of land value and up to 100% of construction costs
- Project Size: We fund projects of all sizes, from single-family homes to larger developments
- Rates: Starting from 9.99% with no points
- Timeline: Close in 7-15 business days
DSCR loans in Florida
Our DSCR (Debt Service Coverage Ratio) rental loans are designed for buy-and-hold investors looking to expand their rental portfolio. We qualify you based on the property’s cash flow, not your personal income.
- LTV: Up to 80%
- DSCR Minimum: As low as 0.75x
- Rates: Starting from 6% with no points
- Benefit: This program allows you to scale your rental portfolio in thriving Florida markets without the hassle of traditional income verification
Recently Funded Loans in Florida
Simple, Straightforward Requirements
Accolend’s approval process is built around the asset, not the borrower’s financial profile. That means no W-2s, no tax returns, and no debt-to-income calculations standing between you and a decision. We close in days, not weeks, because we’ve eliminated the hurdles that slow traditional lenders down.
Eligibility is primarily asset-based. Here’s what you generally need:
- Minimum FICO Score: 620 for most loan programs, 650 for ground-up construction.
- Investment Experience: No prior experience required for Fix and Flip or DSCR loans. Ground-up construction loans require at least one completed new construction project.
- Background Check: A clean background check with no recent felony convictions or major financial misconduct.
- Loan Amounts: We lend between $115,000 and $5,000,000 depending on the loan program and market.
- Property Requirements: Property must be a non-owner-occupied investment property located in an eligible market. Rural properties are not eligible.
Minimal Paperwork for a Streamlined Process
Forget the mountains of paperwork required by traditional banks. Our documentation process is simple and designed to get you funded faster. We focus on the property and the plan. The main documents you’ll need to provide include:
- Personal Information documents
- Driver’s License
- Last 2 Months Bank Statements
- Proof of Real Estate Experience (if required)
- Social Security Card
- Property Information
- Fully Executed Purchase Contract
- Detailed Scope of Work
- Property & Liability Insurance
- Title Commitment
- LLC Information
- LLC Formation Documents
- EIN Confirmation
- Operating Agreement
- LLC Resolution
Our team will guide you through this simple checklist, ensuring a smooth and transparent experience from start to finish.
Why Choose Accolend?
Competitive Rates
Fast Service
Certainty of Execution
No Points
Secure funding for your next investment.
How Florida Hard Money Loans Work
Where we lend
We proudly offer our lending services across 40 states and Washington DCTOP 10 STATES WHERE WE LEND
Where we lend
We proudly offer our lending services across 40 states and Washington DC
Frequently Asked Questions
201-643-6650 x 1
sales@accolend.com
