Private real estate loans in Palm Beach County
Short-term, business-purpose loans on investment and commercial property from Boca Raton and Delray Beach to West Palm Beach and Jupiter.
We lend across Palm Beach County on homes, buildings and land owned by companies, including higher-value homes and new construction.
Investment homes
Single-family homes, condos and 2–4 unit buildings owned by a company, including higher-value homes in Boca Raton, Palm Beach and Jupiter.
Apartment and mixed-use
Apartment buildings and mixed-use property in West Palm Beach, Lake Worth Beach and Delray Beach.
Commercial property
Office, retail and industrial property, including warehouses in Riviera Beach and the county's western industrial areas.
Construction and land
New homes, including homes built to sell, renovations paid out in stages, and lots that are ready to build.
What to know in Palm Beach County
Unique properties
Estate homes and unusual properties have fewer comparable sales. We work with appraisers who know the local market and tell you early whether the value supports the loan you requested.
Seasonal rentals
Rental income in parts of the county is seasonal. If you are refinancing a rental, send twelve months of rent history so we can see the full year.
New construction
For new homes we review the plans, permits, budget and builder, and pay out funds in stages as inspections confirm the work.
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
- For rented property: leases and twelve months of rent history
- For construction: plans, permits, budget and builder contract
Palm Beach County
Do you lend on homes built to sell in Palm Beach County?
Yes. Construction loans for homes built to sell are paid out in stages as the work is completed. We review the plans, permits, budget and the builder's experience.
Do you lend on homes in gated communities?
Yes, on investment homes owned by a company. We review the association's rules on leasing where they affect your plan for the property.
How long does closing take?
Your quote takes minutes and we confirm within 48 hours of your signature on the term sheet. Closing timing then depends on the appraisal, title and survey.
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.