Private real estate loans in Miami-Dade County
Short-term, business-purpose loans on investment and commercial property across Miami-Dade, from a lender whose office is in the county.
We have lent in Miami-Dade since 2009, from Coral Gables and Coconut Grove to Miami Beach, Doral and the northern suburbs. Loans are made to the company that owns the property.
Investment homes and condos
Single-family homes, condominium units and 2–4 unit buildings owned by a company as an investment.
Apartment buildings
Buildings of five units or more, including older buildings in Little Havana, Allapattah and North Miami that are being renovated or repositioned.
Commercial and industrial
Warehouses and flex space in Doral, Medley and Hialeah, retail and office buildings, and mixed-use property on the county's main corridors.
Construction and land
New construction and renovation loans paid out in stages, and loans on land that is ready to build.
What to know in Miami-Dade
Building recertification
Older buildings in Miami-Dade must pass periodic recertification, and condominium buildings may also need milestone inspections under state law. If either applies, we ask for the most recent report.
Condominiums
For condo units we review the association's budget, reserves, insurance and any special assessments, because each one affects the value of the unit.
Flood zones
Much of the county lies in a flood zone. We confirm the zone with the appraisal and require flood insurance where it applies.
What happens after your quote
- Step 1
Get your quote
A few questions about the property and the loan. No account and no credit check.
- Step 2
Apply and upload
Tell us about your company and send documents from your phone or computer.
- Step 3
Sign your term sheet
If your loan fits our guidelines, you sign your term sheet online. We review and countersign within 48 hours.
- Step 4
Close and fund
Track every closing item in your private portal until your loan funds.
Documents you will need
You upload these to your secure portal after you apply. We tell you if anything else applies to your property.
- Photo ID for each owner with 10% or more
- The company's articles of organization and operating agreement
- Recent bank statements
- Purchase contract, or a payoff letter for the current loan
- Property insurance, including flood and wind coverage where required
- Appraisal, ordered through us
- Latest building recertification or milestone inspection report, if one applies
- For condo units: association budget, insurance and any special assessment notices
Miami-Dade County
Do you lend on condos in Miami-Dade?
Yes, on condominium units owned by a company as an investment. We review the association's budget, reserves, insurance and any special assessments before we issue terms.
Is your office in Miami-Dade?
Yes. Our office is at 7520 SW 57th Avenue in Miami, and we have made loans in the county since 2009.
Can I refinance a loan that is coming due?
Yes, if the property and the loan fit our guidelines. Start with a quote and tell us the payoff amount and the date your current loan matures.
Do you lend on a home I live in?
No. We lend only to companies, for business purposes, on property that is not the home of any owner or guarantor.
Get a loan quote
About 2 minutes. No credit check for a quote. Loans are for business purposes only.