Capital for
investors who
move fast
Business-purpose loans for fix-and-flips, rentals, bridge financing, and ground-up construction, underwritten by people who know Tampa Bay neighborhoods.
Example scenario
Illustrative
3/2 single-family · fix & flip
Stage
Rehab
Draws
3 of 5
Next
Inspection
Rehab budget released by draw
Loan programs
Financing for every stage of the deal
Fix & flip
Purchase plus rehab funding, with the renovation budget released through inspected draws.
Long-term rental
Loans underwritten mainly on the property's rental income, for buy-and-hold investors.
Bridge
Short-term capital to close quickly, stabilize, or reposition before permanent financing.
Ground-up construction
Funding for experienced builders on spec homes, infill lots, and small multifamily.
Portfolio & blanket
One loan across multiple rental properties to simplify management or free up equity.
Small commercial
Mixed-use, 5+ unit multifamily, and small retail or office properties.
How it works
From deal to funded, without the runaround
01
Submit the deal
Address, purchase price, scope of work, and your experience.
02
Term sheet
A written, non-binding term sheet after our initial review.
03
Underwriting
Valuation, title, insurance, and entity documents.
04
Close & draw
Closing through a title company, then rehab or construction draws as work is completed.
Who we lend to
Built for investors, not homebuyers
Flippers & rehabbers
From second deal to tenth, borrowing through an LLC or corporation.
Buy-and-hold landlords
Growing or refinancing single-family and small multifamily rentals.
Builders & developers
Spec and infill construction with a track record.
We don't lend on a primary residence or to consumers for personal, family, or household purposes.
Free tool
Run the numbers before you write the offer.
Our deal analyzer checks a flip against the 70% rule, loan-to-cost, and projected profit, using your own assumptions.
Underwriting
What we look at
Asset-based lending focuses on the deal, but we still underwrite responsibly.
The property
As-is value, after-repair value, location, and condition.
The plan
Scope of work, budget, timeline, and exit strategy.
Your experience
Completed projects and the team you're working with.
Liquidity
Reserves for down payment, closing costs, and contingencies.
Questions investors ask
Do you lend to first-time investors?
Sometimes, with a strong deal, adequate reserves, and an experienced contractor. Terms are generally more conservative for newer investors.
Do I need to borrow through an LLC?
Most of our loans are made to entities such as LLCs or corporations, with a personal guaranty from the principals. Ask about your situation.
What are your rates?
Rates and terms depend on the property, leverage, term, and your experience, so we quote each deal individually on a written term sheet. There's no obligation to proceed.
Where do you lend?
Primarily Hillsborough, Pinellas, Pasco, Polk, and Manatee counties, with select deals elsewhere in Florida.
Got a deal under contract?
Send it over. We'll respond within one business day.