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Private Money Lender in Florida

Bridge Loans and Long-Term Lending on Residential and Commercial Investment Properties

National Private Lending is Your Florida Private Money Lender and Premier Lender for Florida Real Estate Investors

Designed with Florida Real Estate Investors in Mind!

From Jacksonville to Miami, Lima One has helped real estate investors take their vision and turn that into reality. Regardless of your location in Florida, Lima One is ready to provide the financing you need for your real estate investments.


We offer fast, flexible, and reliable bridge loans, private money loans, hard money loans, and long-term loans at competitive rates to help you leverage your experience and take advantage of real estate investment opportunities throughout Florida. We provide loans for the acquisition, refinance, and cash-out refinance of investment properties including but not limited to Fix-and-FlipsBRRRRFix-to-RentTurnkey RentalsMultifamily Value-AddApartment AcquisitionsNew Construction, and infill Residential Development.

We also provide loans for the acquisition, refinance, and cash-out refinance of Commercial Properties of any size.

National Private Lending offers a wide range of investment property loans in Florida for residential properties and Florida Commercial Properties including the major cities of Florida like Jacksonville, Miami, Tampa, Orlando, StPetersburg, Tallahassee, and the entire Florida Real Estate Market, Jacksonville Real Estate, Miami Real Estate, Tampa Real Estate, Orlando Real Estate, St Petersburg Real Estate and Tallahassee Real Estate. National Private Lending also focuses on helping real estate developers finance the redevelopment of Suburbs like Palmetto Bay, Pinecrest, South Miami, Doral, Bay Harbor Islands, Aventura, Pembroke Pines, Cooper City, Coconut Grove, Brickell, Downtown, Edgewater, Upper East Side, and so many more.

Florida Private Money Lender

National Private Lending was created by real estate investors, for real estate investors, buying, renovating, or holding investment properties in the state of Florida. No matter if you are focused on Fix & Flips, Buy & Holds, Turnkey Investments, or Residential Developments, we understand your business and we are here to help you succeed and grow! As an established private money lender serving Florida and around the country, we specialize in real estate investment property loans that banks and conventional lenders are not able to fund. A Florida Private money loan may be your best choice if you’re purchasing property in need of renovation or if you need to purchase a property quickly (in less than two weeks), want to purchase the property with joint venture partners in an LLC, or wanting higher leverage than the bank or conventional lender is able to provide.

Here is a quick list of our most popular programs in Florida

We can provide loan terms in less than 24 hours and can fund loans quickly based on common sense underwriting. We review the profitability or cash flow of the property along with the experience, liquidity, and creditworthiness of the team seeking the loan. We are happy to review your next investment that needs financing. Give us a call at (312)-724-6302 and our team of Loan Consultants will be happy to answer your questions.

Florida Bridge Loans & Florida Long Term Loans Options

We’re here to help you grow your real estate business! We provide streamlined loan underwriting, customized lending solutions, and competitive rates to active real estate investors in Florida. Our Bridge loans in Florida and our Long term loans in Florida are for business purposes and are available for Single Family Homes, Condominiums, Townhomes, Multifamily properties, and Commercial properties throughout Florida.

Florida Private Money Loans for Real Estate Acquisition

Private Money loans are used to purchase a specific residential property when traditional lenders or banks cannot finance it due to their underwriting requirements. Our Florida private money loan provides real estate investors the option to close within weeks rather than months. Additionally, National Private Lending, and Private Money loans can assist if the property has deferred maintenance, or a borrower’s credit, debt-to-income ratio, or liquidity does not meet traditional lenders’ requirements. Set up a Call Today

Florida Bridge Loan

National Private Lending Bridge loans in Miami are used as short-term financing to help Miami real estate investors acquire or cash out on your investment property equity quickly. NPL's Bridge Loans allow our clients to make an opportunistic purchase and compete with all cash offers. While traditional underwriting processes can take weeks, our team can complete the borrower and property underwriting in a matter of days. For repeat clients, we offer our Express Loan program which can allow for a closing within 7 days and sometimes faster. If you are in need of an investor friendly lender, an investment property loan, or a bridge loan in Florida, National Private Lending is your partner for your Florida real estate investing business. Set up a Call Today

Florida Fix and Flip Loan

National Private Lending Fix and Flip Loans in Florida, also called Renovation loans are used to renovate an existing property that has deferred maintenance or needs a full gut rehab to bring the property back to life and meet the quality standards of the neighborhood. Our Fix and Flip Loan can be used for light or heavy rehabs as well as adding ADU’s (Additional Dwelling Units) or adding square footage to an existing property. A value-added loan is a method to maximize cash flow or profit and can also be referred to as “stabilizing” the property. Set up a Call Today

Florida Multifamily Apartment Loans and The Florida Multifamily Market

National Private Lending Multifamily Loans in Florida provide speed, simplicity, and reliability of execution for stable and value-add multifamily acquisitions and refinances. We actively finance from small and middle market multifamily transactions to large Multiunit apartment buildings across the country. Our Florida Multifamily Loans can be used for distressed multifamily properties that need capex and rent increases to stabilize or turnkey properties that need seasoning before long term financing is available.

Florida Residential Development Loans or Florida New Construction Loans

Florida Residential Development Loans and Florida New Construction Loans are used to purchase or refinance shovel-ready lots or teardown projects. Our loan can be for spec builders building one home at a time, or developers building infill townhomes, sub-divisions, condos, or apartments. This loan has no exit fees, or pre-sale requirements making it more friendly for our development clients. Building-to-Sell or Build-to-Rent, National Private Lending is ready to be your partner. Set up a Call Today

Florida Rental Property Loan (DSCR) and The Florida Rental Property Market

Rental Property Loans also known as DSCR loans in Florida are used to obtain permanent, long-term financing on both long-term or short-term (Vacation /Airbnb/VRBO) rental properties. It can be used to purchase or refinance a single property or portfolio of properties. This loan allows investors to avoid the headache of qualifying for Conventional loans as it does not use a Debt-to-Income (DTI) to qualify; this loan is qualified on the Debt-Service-Coverage-Ratio (DSCR) of the property. The loan can be used on an unlimited # of rental properties held individually or in an entity. 

National Private Lending's Private Money Loans in Florida do not require personal income documentation to qualify and loans are made under your corporation's name. Companies are not required to provide any income documentation either, they can be brand new or seasoned businesses. Learn more about our Florida Private money programs today, and set up a call with one of our experts. Set up a Call Today

Florida Private Money Lenders for Real Estate Investors

When Florida real estate investors need fix and flip loans, rental property loans, rental portfolio loans, multifamily bridge loans, and or ground-up construction loans, their preferred choice is National Private Lending instead of traditional hard money lenders. As the nation’s premier lender for real estate investors, our robust product suite is designed with our clients’ needs in mind.
Use a National Private Lending business purpose private mortgage to get fast funding for a Florida investment property whether is a purchase, refinance, or equity cash out. Our private money loans (not individual investors) offer short-term loans that typically range from 12 to 24 months.

A Better Choice Than Hard Money Lenders in Florida
Don’t make the mistake of trusting just any hard money lender in Florida with your fix and flip loan, rental portfolio loan, or new construction loan. Lima One Capital is the premier private lender for real estate investors because of our vast experience throughout the state of Florida and our knowledge of Florida real estate investing.

Did You Know: Florida is home to some of the nation’s hottest housing markets, with four major metro areas: Miami-Fort Lauderdale-West Palm Beach, Tampa-St. Petersburg-Clearwater, Orlando-Kissimmee-Sanford, and Jacksonville? National Private Lending has funded deals in all of them.

Our real estate loan experts in Florida have an impressive knowledge of the state itself plus the popular real estate projects – like build-to-rent and single-family rental communities – popping up across the state. Regardless of where you are investing, our team is prepared to meet your real estate investing needs in Florida.

​Current Rates & Terms

We succeed by delivering the best financing solution to our clients who fix & flip, renovate, develop, and build properties in Florida.

Loan Guidelines & Process

We provide common sense lending to real estate investors buying, building, renovating, flipping, and renting residential real estate in Florida.

Diverse Loan Options

Invest with confidence that you will close the deal by working with a lender that provides transparent loan options for Florida real estate investors.

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Miami Neighborhoods, Palmetto Bay, Pinecrest, South Miami, Doral, Bay Harbor Islands, Aventura, Pembroke Pines, Cooper City, Coconut Grove, Brickell, Downtown, Edgewater, Upper East Side

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