Commercial real estate loans in Florida
Short-term, business-purpose loans on warehouses, retail, office, mixed-use and apartment buildings across Florida.
We lend on income-producing and transitional commercial property, including buildings that are partly vacant or being repositioned.
Industrial and warehouse
Warehouses, flex space and small industrial buildings.
Retail
Neighborhood retail, storefronts and small shopping centers.
Office
Office buildings and office condominiums.
Mixed-use and multifamily
Buildings with stores below and apartments above, and apartment buildings of five units or more.
Common uses
Acquisition
Buy a building, including one that needs leasing or improvements before a bank will finance it.
Maturing loans
Refinance a loan that is coming due while you complete leasing or a sale.
Repositioning
Improve, re-lease or change the use of a building, with renovation funds paid out in stages.
Cash out
Borrow against your equity for a business purpose.
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
- Rent roll and current leases
- Operating statements for the last two years and year to date
- Environmental report, where the property's history or use calls for one
Commercial
Do you lend on partly vacant buildings?
Yes. We review the leases in place, your plan to lease the vacant space and how long it is likely to take.
Will I need an environmental report?
Depending on the property's history and use, we may require an environmental site assessment. We tell you early if one applies.
Do you lend outside South Florida?
Yes, throughout Florida, with most of our loans in Miami-Dade, Broward, Palm Beach and the Florida Keys.
Who signs the loan?
The company that owns the property borrows, and owners with 10% or more personally guarantee the loan.
Get a loan quote
About 2 minutes. No credit check for a quote. Loans are for business purposes only.