Southeast · First lien · Business-purpose
Hard Money loans in Florida (FL).
First-position, business-purpose commercial real estate hard money loans in Florida (FL). Minimum loan $500K; $1M–$5M is the sweet spot, with larger loans considered.
Stokley Capital reviews hard money loan requests across Florida (FL) - including Miami, Tampa, Orlando, Jacksonville, Fort Lauderdale, Naples and West Palm Beach - for multifamily, industrial, retail, office, mixed-use, hotel, self-storage and manufactured-housing assets. Asset-based underwriting focuses on the property's value and the borrower's equity, not credit score. Every loan is subject to underwriting, due diligence and approval.
Market context
Florida commercial real estate.
Florida's economy is anchored by tourism, international trade through its port and airport network, and a growing base of finance and technology firms relocating to the state, alongside significant retirement and second-home housing demand.
Major markets include Miami, Tampa, Orlando, Jacksonville, Fort Lauderdale, Naples, West Palm Beach.
Asset-based underwriting
Property value and borrower equity.
Hard money lenders evaluate the collateral and the plan for repayment. For requests in Florida, Stokley Capital focuses on the property's value and the borrower's equity, not credit score.
- Property value and borrower's equity
- Current debt and first-lien position
- Business plan, deadline and repayment path
By property type
Florida hard money loans by asset class.
Local markets
Florida city lending pages.
Questions
Florida hard money loans, answered.
- Does Stokley Capital provide hard money loans in Florida?
- Yes. Stokley Capital provides first-position, business-purpose commercial real estate loans in Florida (FL). Requests can come from Miami, Tampa, Orlando, Jacksonville, Fort Lauderdale, Naples, West Palm Beach and other Florida markets. Every request is subject to underwriting.
- What size Florida loans do you consider?
- The minimum loan is $500K. $1M–$5M is the sweet spot; larger loans are considered. Every deal has specific terms and is subject to underwriting.
- How does a hard money lender review a property in Florida?
- Stokley Capital uses asset-based underwriting: the property's value and the borrower's equity, not credit score. Send the property, existing debt, requested amount, business plan and deadline for review.
- Are these consumer loans in Florida?
- No. These are first-position, business-purpose loans secured by commercial or multifamily real estate, not consumer loans or loans on owner-occupied 1–4 family residences. Stokley Capital lends in most US states, subject to state requirements.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Stokley Capital provides business-purpose loans only, made to entities and secured by non-owner-occupied commercial or multifamily (5+ unit) real estate. We do not make consumer loans or loans secured by owner-occupied 1–4 family residences. Loans are not available in every state; where state law requires a license, loans may be made or arranged through an appropriately licensed affiliate or third party, or may not be offered.
Next step
Have a property in Florida to finance?
Send the property, the amount and the deadline. A principal will respond directly.