Easy Approval, Fast Funding
Simplifying Investment & Commercial Loans in Florida .
Forget the complexity of traditional lenders – we provide unmatched Florida commercial lending solutions for your business property financing and commercial real estate endeavors.
What we do?
Here to help you grow, without the hassle.
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Commercial Loans
Our commercial loans in Florida are designed to be flexible, supporting a wide array of properties, including:
Simplified Documentation: We believe in efficient processes. With our Lite Docs approach, we typically review your Rent-Roll and Operating Statement to assess your property's potential.
Manageable Down Payments: Expect competitive down payments, usually ranging from 25% to 30% Down.
Designed specifically for real estate investors, our DSCR Loans offer a simplified and efficient way to purchase properties.
Investor-Focused: Ideal for Multifamily properties (duplexes, tri-plexes, four-plexes, apartments up to 20 units) and other income-generating assets, offering no income requirement from you personally.
Less Personal Documentation: Say goodbye to No Tax Returns, W2s, or 1099s.
Flexible Terms: Down payments as low as 15%, 20%-25%, with factors as low as .7.
Accessible: Requires a 640+ Mid Credit Score.
Hard Money / Quick Fix & Flip Loans
Opportunities in Florida's dynamic real estate market move fast, and so do we. Hard money loans offer rapid, asset-based financing ideal for real estate investors who need speed and flexibility. They are easier to qualify for than traditional loans, with approval based primarily on the property's value—not your personal credit score or income history.
Speed is Key: Close in as little as 5-10 days.
Asset-Based Approval: No Income Verification, No Credit Score check, and No Appraisal needed upfront.
Quick Capital: Typically requires 20%-30% down.
Short-Term Focus: Terms usually range from 1-2 Years Balloon.
Fix & Flip + Rehab Loans
Ready to transform properties and maximize your returns? Our Fix & Flip + Rehab loans provide the high leverage and competitive terms you need for purchasing and renovating investment properties. We understand the capital required for a successful flip.
High Leverage: Get Up to 95% LTV, Up to 80% ARV, and Up to 100% Rehab Cost coverage.
Flexible Timelines: Loan terms of 12, 18, or 24 Months.
Accessible Requirements: Requires a 660+ Credit Score.
Focus on Project, Not History: No Experience required, No Appraisal, and No Income Verification.
Commercial Loans
Office Buildings, Retail Properties, Industrial Properties, Hospitality Properties, Healthcare Facilities, Mixed-Use Properties, Land, Self-Storage Facilities.
25% to 30% Down - Lite Docs
Rent-Roll
Operating Statement
Hard Money / Quick Fix & Flip
Hard money loans offer fast, asset-based financing ideal for real estate investors. They are easier to qualify for than traditional loans, with approval based on property value—not credit score or income.
20%-30% down
No Income Verification
No Credit Score
No Appraisal
Close in 5-10 days
1-2 Years Balloon
DSCR Loans / Investors
Multifamily properties with no income requirement to build your portfolio.
No Tax Returns, W2s, 1099
15%, 20%-25% down
as low as .7 Factor
640+ Mid Credit Score
Up to 20 Units
Fix & Flip + Rehab $
Short-term financing for purchasing and rehabbing investment properties with high leverage, competitive terms, and fast closings.
Up to 95% LTV
Up to 80% ARV
Up to 100% Rehab Cost
12, 18, 24 Months
660+ Credit Score
No Experience required
No Appraisal
No Income Verification
Because It’s Time To Seek Financial Advice From Experts
We are not a bank, which means we do not require complex and tedious documentation. We are an alternative investment vehicle based on real estate collateral for Commercial Properties and Investment Properties.
We collaborate with a wide range of private investors, hedge funds, and lenders to secure the most competitive rates in the market for your loans.
Because It’s Time To Seek
Financial Advice From Experts
We are not a bank, which means we do not require complex and tedious documentation. We are an alternative investment vehicle based on real estate collateral for Commercial Properties and Investment Properties.
We collaborate with a wide range of private investors, hedge funds, and lenders to secure the most competitive rates in the market for your loans.
DSCR Loans
Designed specifically for real estate investors, offering a simplified and efficient way to purchase properties. Unlike traditional loans, DSCR loans focus on the property's income potential rather than the borrower’s personal income. This means investors don’t need to provide pay stubs, tax returns, or other proof of personal income to qualify.
Why Partner with Property Loans Florida?
We're not just providing commercial real estate loans in Florida; we're fueling your business success and helping you build wealth.
Fast Pre-Approvals: We understand urgency. Get swift initial assessments to keep your projects moving.
Competitive Rates: Access robust capital and high leverage, allowing you to make strong offers and maximize returns.
Fast Lending Processes: For your next investment property, having a reliable financing partner is essential for successfully closing the deal without delays.
All Types of Loans: Expand your business with flexible programs and expert support from an industry-leading team at every step of your journey.
Flexible Terms: We offer loan options tailored to your specific needs, not rigid bank rules.
Asset-Based Lending: Our approval focuses on the property's value, providing more inclusive opportunities.
Investor-Friendly Programs: Our solutions are specifically designed with the goals and challenges of real estate investors in mind.
No Tax Returns or W-2s Required (in some programs): Less hassle and paperwork for your loan journey.
Experienced Commercial Loan Experts: Our industry-leading team provides expert support at every step of your journey.
BROKERS PROTECTED: We collaborate with a wide range of sources, including private investors, wholesale lenders, and banks, to offer a diverse selection of programs. As brokers, we also partner with other brokers to share resources and commissions, enhancing the value we bring to our clients.
Looking for a Loan Pre-Qual?
Ready to take the next step towards your commercial property financing? Use our simple pre-qualification tool to get started!
Property types
Anchored retail shopping center, unanchored retail, apartments, duplexes, tri-plexes, four-plexes, mobile home parks, office – single tenant and multi-tenant, SBA 504, SBA 7A, multi-family, flex space, warehouse, mini-storage (self-storage), industrial, medical office buildings, ambulatory care center, big box retail, restaurants, hotels, motels, resorts, auto dealerships, gas stations, owner-occupied buildings, assisted living facilities, independent living facilities – senior housing, nursing homes, hospitality – full service, limited service hotels, call centers, government leased buildings, land development, gentleman's clubs, churches, funeral homes, land, construction financing, triple net (NNN) loans, many more, enclosed retail malls.
Don't see what you are looking for? Call 727-642-1166
Trust Us to Fuel Your Business Success – No Compromises, Just Solutions!
Competitive rates
With robust capital, high leverage, and flexible loan options, you can confidently make offers that maximize your returns.
Fast lending processes
For your next investment property, having a reliable financing partner is essential to successfully closing the deal.
All types of loans
Expand your business with flexible programs and expert support from an industry-leading team at every step of your journey.
What We Offer
Commercial Real Estate Loans – Office buildings, retail, multifamily, mixed-use, warehouses, and more.
Bridge Loans – Short-term funding for time-sensitive purchases, refinancing, or value-add investments.
Construction Loans – Ground-up construction or renovation financing for residential and commercial projects.
DSCR Loans – Debt-Service Coverage Ratio loans ideal for investment properties, including Airbnb and long-term rentals.
Stated Income Loans – Designed for self-employed investors or borrowers with unconventional income.
Private Money Loans – Fast approvals, asset-based lending from private investors and institutions.
Why Choose Us?
Fast Pre-Approvals
Flexible Terms
Asset-Based Lending
Investor-Friendly Programs
No Tax Returns or W-2s Required (in some programs)
Experienced Commercial Loan Experts
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727-642-1166
This website is intended to provide information regarding Business Purpose Loans, which are non-TRID (TILA-RESPA Integrated Disclosure) loan programs designed to support the financing needs of businesses. Business Purpose Loans are designed strictly for business, commercial, or investment purposes. These loans are not intended for personal, family, or household use. If you are seeking financing for personal use, we recommend you explore other loan options. Terms and eligibility for Business Purpose Loans may vary based on individual qualifications, loan type, and property use. Loans for business purposes may be secured by various types of properties, including residential, multi-family, commercial, or mixed-use properties, as long as the primary use of the loan is for business purposes. It is important to understand that, as part of the loan agreement, the collateral may be subject to foreclosure if the borrower defaults. The information provided on this website is for informational purposes only and does not constitute an offer to lend, a loan approval, or a guarantee of financing. All loan programs are subject to underwriting approval, and the terms, rates, and availability of loan programs may change without notice. We encourage all borrowers to seek professional legal, financial, or tax advice before entering into any loan agreement. Business Purpose Loans can have significant financial implications, and it is important to understand your obligations and rights fully before proceeding with any loan.