Get Matched With Vetted Florida Hard Money Lenders — For Free!
Searching for the best hard money loans in Florida? Whether you’re flipping a home in Miami, developing in Tampa, or refinancing a rental property in Orlando, we’ll connect you with local and trusted Florida hard money lenders that understand your market and move fast.
Match Me With A Hard Money LenderRequest Your Free Lender Match
Looking for fast and reliable real estate funding in Florida? Hard Money Matcher connects you with trusted hard money lenders across Florida who specialize in fix-and-flip, rental, bridge, and construction loans — with approvals in days, not weeks.
Whether you’re investing in Miami, flipping in Tampa, or developing new builds in Orlando, we’ll help you find the best Florida hard money lenders tailored to your project.
Get matched instantly — no credit checks, no broker fees, and no upfront costs.
3-Step Process (How It Works)
1. Submit Your Deal
Submit a quick form with your property details, timeline, and loan goals. No credit checks or commitments.
2. Get Matched Instantly
We instantly connect you with the best Florida hard money lenders that fit your project’s size and scope.
3. Talk to a Lender Today
Receive approvals, compare rates, and fund your deal quickly with lenders who specialize in the Florida real estate market.
WHY Florida Real Estate INVESTORS CHOOSE HARD MONEY MATCHER
We’re more than a directory — we’re your AI-powered lending partner, connecting you with lenders that understand Florida’s fast-moving real-estate markets.
Network of Trusted Florida Hard Money Lenders – From small local lenders in Florida’s coastal cities to national funds, we connect you with the right hard money lender for your deal type and location.
Smart, AI-Powered Lender Matching – Our platform analyzes your property and investment goals to match you with lenders who can fund quickly — reducing the back-and-forth and guesswork.
Fast, Investor-Focused Process – Many Florida investors receive lender matches within hours and can close in under a week. Speed matters, and we help you secure it.
Loan Types We Match In Florida
Every real estate project in Florida is unique — and the right loan can make all the difference. At Hard Money Matcher, we connect you with hard money lenders who specialize in the exact type of financing you need, whether you’re flipping a property, building a rental portfolio, bridging a short-term gap, or starting new construction.
Fix & Flip Loans
Short-term financing for property purchases and renovations
Ideal for investors renovating properties across Miami, Tampa, or Jacksonville.
Up to 90% LTV including rehab funds
24–48 hour approvals
Designed for short-term resale or refinance projects
Rental Property (DSCR) Loans
Long-term financing based on rental income, not personal income
Perfect for long-term buy-and-hold investors building rental portfolios in Florida’s high-demand markets.
Based on property cash flow, not personal income
Available for single-family and multi-unit properties
Competitive DSCR terms from local and national lenders
Bridge Loans
Short-term funding to secure properties quickly
Short-term financing that bridges the gap between purchases, refinances, or project phases.
3–7 day average closing time
Flexible repayment and exit options
Great for competitive or time-sensitive deals
Construction Loans
Flexible funding for new builds and major renovations
Ideal for developers building in Florida’s booming residential markets.
Funding for new builds, additions, and land development
Draw schedules based on construction milestones
Partner with lenders who know Florida’s zoning and permit landscape
Top Cities For Real Estate Investment In Florida
Florida remains one of the most active real-estate markets in the country — attracting investors for its strong rental demand, population growth, and year-round housing activity.
- Miami – High demand for short-term rentals and luxury condos makes Miami one of the most profitable fix-and-flip markets in the U.S.
- Tampa – Affordable prices, strong job growth, and an influx of new residents make Tampa ideal for long-term rentals and value-add flips.
- Orlando – A tourist and job hub with endless demand for single-family and multi-family rentals — great for both DSCR and BRRRR investors.
- Jacksonville – One of Florida’s fastest-growing metros with low entry prices and consistent rental demand.
- Fort Lauderdale & West Palm Beach – Luxury coastal markets ideal for new construction and high-end fix-and-flip projects.
Learn more about some of the most popular cities in Florida that we match hard money loans in by visiting our Locations page or visiting our city pages:
- Jacksonville, FL Hard Money Loans
- Miami, FL Hard Money Loans
- Tampa, FL Hard Money Loans
- Orlando, FL Hard Money Loans
- Port St. Lucie, FL Hard Money Loans
Tips for Real Estate Investment in Florida
- Act Fast: Florida’s best investment properties move quickly — pre-approval gives you a competitive edge.
- Plan for Hurricane Season: Account for insurance, permitting delays, and coastal property regulations when investing near the coast.
- Diversify Markets: Consider investing in both large metros (Miami, Orlando) and secondary cities (Tampa, Sarasota, Gainesville) for balanced growth.
- Use Local Contractors: Florida’s permitting processes vary by county; working with local experts speeds up timelines and ensures compliance.
What our customers say
Trusted by investors and lenders all across Florida
Lisa D.
Orlando, FL
“I submitted my fix & flip deal in Orlando and had a vetted lender call me the same afternoon. The process was simple and saved me weeks of searching.”
Hanna A.
Miami, FL
“Hard Money Matcher connected me with a rental loan lender who understood my portfolio goals. I’ll definitely use them for my next property.”
Andrew R.
Tampa, FL
“I needed bridge financing fast. Within 24 hours of submitting my details, I had a lender ready to move forward. Highly recommend this platform.”
Amir S.
Jacksonville, FL
“Hard Money Matcher’s AI tool is great! It connected me with a lender who provided better rates compared to my local hard money lender!”
Florida Real Estate Market & Loan Insights
| Metric: | Data Point: |
|---|---|
| Average Home Value: | $420,000 |
| Average Hard Money Loan Size: | $250,000 – $500,000 |
| Average Close Time: | 3-7 business days |
| Deals Matched in Florida: | 150+ |
| Most Common Loan Type: | Fix & Flip, Bridge, DSCR |
| Avg. Interest Rate Range: | 7% – 12% |
Frequently Asked Questions About Hard Money Loans In Florida
What areas of Florida do you serve?
We serve every major Florida market — including Miami, Tampa, Orlando, Jacksonville, Fort Lauderdale, West Palm Beach, and beyond.
How fast can I get approved for a Florida hard money loan?
Most borrowers receive conditional approval in 24–48 hours, with funding in as little as 3–7 business days.
Do Florida hard money lenders fund new construction?
Yes! Our network includes specialists in residential and small commercial construction loans throughout the state.
Do I need good credit to qualify?
No — hard money loans are asset-based, so lenders focus on the property’s value and exit plan more than your credit score.
What types of properties qualify for funding in Florida?
Single-family homes, multi-family units, condos, commercial buildings, and new construction projects can all qualify for hard money financing.