Florida Hard Money Lenders

The online world of hard money lenders in Florida can be a tough place to navigate, which is why we've researched the states top lenders.

If the idea of sorting through them all to find the right one feels overwhelming, don't worry — MoolahList has you covered.

Here you will find a list of the top verified and licensed private money lenders across The Sunshine State.

Whether you need to cash-out of a current investment property in Miami or are performing a 1031 exchange on an apartment complex in Orlando, real estate investors in Florida can rely on our network of hard money lenders to get financed.

The third most populous state in the US, Florida has it all, from pristine beached to an abundance of golf courses, it’s no wonder they take in 1,000 new residents a day.

Top Florida Hard Money Loans Summary

Full summary of Florida hard money loan providers

















The 4 Best Hard Money Lenders in Florida

RBI Mortgages

RBI Mortgages are hard money lenders located in Florida and have a variety of loan programs including residential and commercial bridge loans and funds loans from $75k to $5mil.

They offer competitive rates and no pre-payment penalties on many different property types including single-family residences and multi-family apartment buildings. They also fund loans in Texas and New York.

Before You Apply
  • Loan Amount: Minimum of $75,000
  • FICO Score: Minumum of 600
  • Interest Rate: Minimum of 7.99%
Best Features:
  • Fast approval within 24 to 48 hours, average closing within 7 to 12 days
  • There are no penalties for paying off or partially amortizing the debt at any time
  • All borrowers welcome including ones with no credit history, new businesses and foreign nationals

Asset Based Lending, LLC

Transforming Neighborhoods and Building Relationships from the Ground Up

Asset Based Lending is an East Coast hard money lender located in New Jersey. They have a variety of tailor made loan programs including fix and flip, new construction, cash out refinances and rental property loans for non-owner occupied properties.

They fund 12 month term deals from $75k to $2mil and have a loan to value ratio of 70% to 85% depending on the loan program.

Before You Apply
  • Loan Amount: Minimum of $75,000
  • Interest Rate: Minimum of 9%
Best Features:
  • Loan pre-approval within 24 hours and can close in as few as 3 days
  • 12-month, interest-only bridge financing for fix & flips, new construction and cash-out or refinances
  • Direct, local East Coast lender that has funded over 1,500+ fix & flip loans

The Norris Group

The Norris Group has been part of the California real estate investor community for over 20 years. 

They offer hard money loans across California and Florida starting at 6.9%.

Their loan programs range from standard fix & flips, buy and holds, to rentals and new construction.

Before You Apply
  • Interest Rate: Minimum of 6.90%
Best Features:
  • Award-winning investor resources and training programs
  • Private money loans in California and Florida starting as low as 6.90%
  • Private money lending programs specifically built for flippers, landlords and builders

EquityMax Financial

EquityMax Financial is family owned and operated giving you direct access to decision makers when you apply for a loan. They are a nationwide direct hard money lender with 30 years of experience.

They have flexible loan offerings, no minimum FICO score and opt for broker price opinions (BPOs) over formal appraisals.

Before You Apply
  • Loan Amount: Minimum of $25,000
  • FICO Score: Minimum of 400
  • Interest Rate: Minimum of 10%
Best Features:
  • A simple & expedited pre-qualification process can be done in 10 minutes or less
  • They fund a variety of loans sizes and projects

Florida Hard Money Stats

Loan Amounts
$25k to $100m
Interest Rates
4.25% to 15%
Term Lengths
1 to 360 months
Origination Points
1 to 6 points
Loan to Value Ratio
65% to 90%
Loan to Cost Ratio
65% to 90%
Closing Time
2 to 25 days

Top Hard Money Lenders by State

Looking for a Hard Money Loan?

Select your state from the interactive map to find the best hard money lenders near you.
Whether you are looking for funding for a fix & flip, purchase, refinance or cash out, we have an extensive list of verified hard money lenders across the USA.
Get Funded Today
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