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Bridge Loans in Florida
for Time-Sensitive Real Estate Deals
When a strong real estate opportunity cannot wait for traditional financing, Funding Florida can help you move forward. Our Florida bridge loans provide short-term capital for investors who need to purchase, refinance, reposition, or stabilize a property.
Funding Florida is a direct private lender. We use our own capital and make decisions internally. As a result, qualified borrowers can avoid many of the delays associated with conventional banks and institutional lenders.
Get a fast review of your opportunity and request a term sheet today.
Florida Bridge Loan Program
Our bridge financing is designed for experienced real estate investors with a clear property strategy and exit plan.
Rate
9.5% – 13%
Max LTV
Up to 75%
Term
12 – 24 months
Minimum Loan
$250,000
Close Time
7 – 14 days
Every loan remains subject to property, borrower, credit, and underwriting approval.
Total Capital Deployed
Day Average Close
Rates Starting From
Deals Closed
From application to funded
in under two weeks.
1
Submit Your Deal
Complete our form — address, price, rehab estimate, and exit strategy. That’s it.
2
Term Sheet in 24 hrs
A senior loan officer reviews your deal and sends a clear, transparent term sheet within one business day.
3
Appraisal & Underwriting
Our team coordinates the remaining valuation, title, borrower, and property documentation needed for final approval.
4
Close & Wire Funds
Sign at any South Florida title company. Funds wire same or next day. Your deal closes, your project begins.
What Sets Us Apart
Built by investors, for investors.
If your real estate deal makes sense, we’ll move quickly to get you approved—often the same day—and funded without the headaches of traditional lending.
We specialize in working with investors who need certainty, speed, and a lending partner who understands the deal—not just the paperwork.
- Direct private capital — we fund from our own balance sheet
- One dedicated loan officer start to finish
- $2.1B+ deployed across South Florida submarkets
- Repeat borrower discounts on rate and points
- No prepayment penalty options on most programs
⚡
Speed That Wins Deals
Close in 7–14 days and beat out conventional buyers. Our streamlined process was built around competitive Miami timelines.
🌴
Miami Market Experts
We’ve underwritten every zip code from Homestead to Palm Beach. Local knowledge means smarter, faster decisions.
🤝
One Point of Contact
No hand-offs. No call centers. One loan officer owns your deal from application to funding.
📈
Repeat Borrower Program
Your track record works in your favor. Portfolio investors earn preferred pricing and priority underwriting.
Get Funded
What We Review
A strong bridge loan request should clearly explain the property, transaction, and repayment strategy.
Our team will generally review:
- The property type and location
- Purchase price or current property value
- Requested loan amount
- Existing debt and liens
- Borrower experience
- Available borrower equity
- Property condition
- Renovation or improvement plans
- Current and projected income
- Proposed loan term
- Exit strategy
- Expected closing date
Providing complete information helps us evaluate your request more efficiently.
Get Your Term Sheet
Tell us about the property and deal. We’ll review it and follow up quickly.
What Is a Bridge Loan?
A bridge loan is short-term real estate financing that helps cover the period between an immediate capital need and a longer-term solution.
For example, an investor may find a valuable property but lack enough time to secure conventional financing. A bridge loan can provide the capital needed to complete the acquisition. The investor can then renovate, stabilize, sell, or refinance the property.
These loans are often more flexible than traditional bank financing. However, they still require a practical business plan, sufficient property value, and a viable exit strategy.
Funding Florida reviews the entire opportunity. We consider the property, transaction structure, borrower experience, available equity, and proposed path to repayment.
When a Bridge Loan May Make Sense
Bridge financing can support several types of time-sensitive real estate transactions.
Purchasing Before Another Property Sells
An investor may need to close on a new opportunity before selling an existing asset. Bridge financing can provide temporary capital until that sale is completed.
Closing on a Competitive Acquisition
Attractive properties often receive multiple offers. Therefore, waiting weeks or months for bank approval could cause an investor to lose the deal.
A private bridge loan can help qualified buyers close with greater speed and certainty.
Renovating or Repositioning a Property
Some properties do not qualify for traditional financing in their current condition. Investors may need capital to complete repairs, improve occupancy, or resolve property issues.
Once the property becomes stabilized, the borrower may refinance into longer-term financing.
Refinancing an Upcoming Maturity
A loan maturity can create pressure when permanent financing is not ready. Bridge financing may provide additional time to complete a sale, refinance, or stabilization plan.
Resolving Partnership or Ownership Changes
Investors may use short-term financing to buy out a partner, restructure ownership, or complete another property-related transition.
Acquiring Commercial Real Estate
Bridge loans can also help investors purchase or reposition qualifying commercial properties. These may include multifamily, mixed-use, retail, office, industrial, or other investment assets.
Frequently Asked Questions About
Florida Bridge Loans
How quickly can Funding Florida close a bridge loan?
Qualified bridge loans may close within approximately 7 to 14 days. However, the actual timeline depends on the property, title status, appraisal, documentation, and borrower responsiveness.
What is the minimum bridge loan amount?
Funding Florida’s current bridge loan program starts at $250,000.
How much of the property value can be financed?
Bridge loans may be available for up to 75% of the property’s value. Final leverage depends on the transaction, property type, borrower, and exit strategy.
What loan terms are available?
Typical bridge loan terms range from 12 to 24 months.
Do I need perfect credit?
Funding Florida considers more than a single credit score. We evaluate the property, equity, borrower experience, financial position, transaction structure, and repayment strategy.
Credit and background information may still affect approval and loan terms.
Are bridge loans available throughout Florida?
Funding Florida is based in Miami-Dade and evaluates qualifying investment opportunities across Florida.
What is required to request a term sheet?
Start by providing the property address, loan amount, property value or purchase price, and a brief description of your business plan and exit strategy.
Let's Talk
Secure the Capital
Your Opportunity Requires
The right real estate opportunity may not remain available while a traditional lender completes a lengthy approval process. Funding Florida provides direct bridge financing for qualified investors who need speed, certainty, and experienced decision-making.
Tell us about your property, financing need, and exit strategy. Our team will review the opportunity and let you know whether it fits our lending criteria.
Contact us today to request your term sheet and take the next step toward closing your Florida real estate deal.