Hard money lender in Tampa

Direct, asset-based funding for Tampa investors. An answer in 24 hours or less and closings in 7 to 14 days — no credit check, no appraisal, no income verification.

Submit your deal

or call (727) 642-1166 — an answer in 24 hours or less

Recently funded
$312,000·Tampa · Seminole Heights·SFR fix & flip·closed in 9 days$268,500·St. Petersburg · Old Northeast·Purchase + rehab·closed in 11 days$415,000·Clearwater · Countryside·Cash-out refinance·closed in 8 days$186,000·Brandon·First-time investor, 20% down·closed in 12 days$540,000·Riverview·Rental portfolio bridge·closed in 10 days$225,000·Lakeland·Fix & flip + repair funds·closed in 7 days$625,000·Sarasota·Bridge to permanent·closed in 13 days$295,000·Bradenton·Duplex value-add·closed in 9 days$470,000·Wesley Chapel·New-build spec bridge·closed in 14 days$204,000·Largo·Fix & flip, 3rd deal, 10% down·closed in 8 days$312,000·Tampa · Seminole Heights·SFR fix & flip·closed in 9 days$268,500·St. Petersburg · Old Northeast·Purchase + rehab·closed in 11 days$415,000·Clearwater · Countryside·Cash-out refinance·closed in 8 days$186,000·Brandon·First-time investor, 20% down·closed in 12 days$540,000·Riverview·Rental portfolio bridge·closed in 10 days$225,000·Lakeland·Fix & flip + repair funds·closed in 7 days$625,000·Sarasota·Bridge to permanent·closed in 13 days$295,000·Bradenton·Duplex value-add·closed in 9 days$470,000·Wesley Chapel·New-build spec bridge·closed in 14 days$204,000·Largo·Fix & flip, 3rd deal, 10% down·closed in 8 days

Fix & flip and bridge money in Tampa

Tampa is where most of our Bay-area lending happens: 1920s bungalows that need everything, post-war blocks turning over one house at a time, and small multifamily around the university and the port.

We fund single-family flips, duplex and fourplex value-add, short-term rental conversions and small ground-up infill across Seminole Heights, Ybor City, Tampa Heights, Riverside Heights, West Tampa, Sulphur Springs and the bungalow streets around South Tampa.

New investors — 20% down

No credit check, no appraisal, no income verification. Bring 20% of the purchase and we fund the rest against the asset.

Experienced — 3+ flips, 10% down

Closed three or more flips? As little as 10% down, and in some cases 0% down with part of the repair budget funded.

Answer in 24 hours or less

Send the address and the numbers. You get a real answer the same day or the next — not a week of underwriting questions.

What the terms look like

Close in 7 to 14 days

Title, insurance and funding coordinated by one team so the deal closes while it is still a deal.

Creative structures welcome

Bridge, cash-out, cross-collateral, partial repair funding, seller-carry seconds — if the asset supports it, we will structure it.

Asset based, not credit based

We look at the property, the exit and the equity. Direct lending decisions, no committee, no brokered file.

Every Tampa deal is priced on the property, your experience and the exit — tell us the address and the numbers and you will have the real terms in writing within 24 hours.

Deal analyzer — Tampa

Put your purchase price, repair budget and after-repair value in. It sizes the loan, the cash you need at closing and the monthly carry, the same way we do.

Hard money deal analyzer

Purchase + repairs, 75% ARV cap, and the cash you bring to the table.

Loan Inputs

Loan Terms:
• 12-month interest-only term
• No pre-payment penalty
• Repair funds released by draw
• 7 to 14 day closings
• Title and insurance fees are additional

Project Summary

Loan Funding
Purchase Loan:$0
Rehab Funds (100%):$0
Total Loan Amount:$0
Upfront Cash to Close
Down Payment:$0
Origination Fees:$0
UW/Processing:$1,850
Loan Docs/Legal:$995
HOI (1% of Purchase):$0
Total Cash Needed:$0
Monthly Carry
Interest Payment:$0
Tax & Ins (Monthly):$0

An estimate, not a commitment. Send the deal and we confirm the real terms in writing within 24 hours.

Submit this deal

How a Tampa loan closes

1
Send the deal
Address, purchase price, repair budget and your exit. Two minutes in the form, or a phone call.
2
Answer in 24 hours
Terms, leverage and the cash you need to close — in writing, usually the same day.
3
Title and docs
We order title and insurance while you finish your walkthrough. No appraisal, no income docs.
4
Fund in 7 to 14 days
You close, start the work and draw repair funds as the milestones are done.

Tampa — questions investors ask

Do you really lend on Tampa houses without an appraisal?

Yes. We underwrite the asset ourselves — the purchase, the repair budget and the after-repair value — which is one of the reasons a file can close in 7 to 14 days.

I have never flipped a house. Can I still borrow?

Yes. First-time investors bring 20% down. No credit check, no income verification. We will also tell you honestly if the numbers on your first deal do not work.

I have done several flips. What changes?

With three or more completed flips the down payment can drop to 10%, and on the right deal to zero — and we can fund part of the repair budget as well.

How fast can you fund in Tampa?

Most files close in 7 to 14 days from a signed term sheet, provided title is clear. You get the answer itself in 24 hours or less.

Have a Tampa deal on the table?

Submit your deal
Tampa investors: answer in 24 hours, closing in 7–14 days. Submit your deal