Loan programs

One direct lender, several ways to structure the same goal: get you to the closing table quickly and leave room for the profit.

Submit your deal

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

What we fund

Fix & flip

Purchase plus repairs on single-family and small multifamily, repairs released by draw as the work is done.

Bridge

Short-term money while you reposition, season or line up permanent financing.

Cash-out on investment property

Pull equity out of a property you already own to fund the next purchase.

Small multifamily value-add

Duplex to small apartment projects where the rent roll moves after the work.

Short-term rental purchases

Coastal and metro STR buys where the numbers are driven by nightly revenue.

Spec-build bridge

Money for builders between the land purchase and the takeout.

Two sets of terms

Starting out

20% down, no credit check, no appraisal, no income verification. We look at the deal, not your paperwork — and we will tell you when a first deal is not worth doing.

3+ flips behind you

10% down, sometimes 0%, with part of the repair budget funded on the right project. Bring the address and the scope; we will structure it around your exit.

If the asset supports it, we will write it: cross-collateral, seller-carry seconds, partial repair funding, quick cash-outs and bridges between two closings.

The same process for every program

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.

Frequently Asked Questions

What types of loan programs does Tampa Hard Money Lender offer?

Tampa Hard Money Lender offers various loan programs including Fix & Flip, Bridge loans, Cash-out on investment properties, Small multifamily value-add, Short-term rental purchases, and Spec-build bridge loans.

What are the terms for starting out with a loan?

For those starting out, the terms include 20% down, with no credit check, no appraisal, and no income verification. The focus is on the deal rather than the paperwork.

How quickly can I expect to close on a loan?

You can expect to close and start the work within 7 to 14 days after funding.

What information do I need to submit for a loan application?

To submit a loan application, you need to provide the deal's address, purchase price, repair budget, and your exit strategy.

How will I receive the terms and details of my loan?

You will receive the terms, leverage, and cash needed to close in writing, usually the same day after submitting your deal.

Is there a way to determine which loan program is best for me?

Yes, you can send your deal details to the team, and they will advise which loan structure will get you to the closing table the fastest, typically within 24 hours.

Not sure which program fits?

Submit your deal
One lender, several structures — answer in 24 hours Submit your deal