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we know private money lending

frequently asked questions

Smart, savvy investors know that non-conventional loans are a huge advantage in a competitive industry and are certainly worth it for the right investment property, and with the right funding partner behind the project. Private lending is our passion and we’re here to answer your questions and achieve your real estate investment goals.

Yes. While investors don’t have to be Florida residents, the real estate project itself must be located in Florida for us to consider funding it.


We are local experts who understand the Florida market better than anyone. As a trusted, licensed, well-capitalized, and well-connected private lender, we focus exclusively on hard money real estate loans throughout the entire state. With a proven ability to fund quickly anywhere in Florida, we have successfully financed hundreds of investment projects across all regions.

The terms of our hard money loans for real estate investment are usually up to 24 months, depending on your individual needs. In some instances, the terms can be extended, but this is on a case by case basis and may result in increased costs or a higher interest rate.

No. Since the loan is backed by the real property itself, we tend to look more closely at the value of the property. That said, it is imperative to disclose any past bankruptcies, foreclosures, charge-offs, collections or anything that could affect a deal.

Yes! Not only do we lend to foreign investors, but it’s one of the things Community Capital Holdings does best. 

In fact, we’ve closed millions of dollars worth of real estate investment deals with non-resident partners, international investors, and foreign national borrowers from South America, Mexico, the Caribbean, Central America, Europe and Asia. 

Community Capital has a variety of real estate loan options that allow qualified foreign investors to make quick decisions without the “red tape” and restrictions from conventional banks. We help foreign nationals secure funding simply in a straightforward way and still take advantage of opportunities without the same documentation required by traditional loans.

We are Florida’s premier provider of private real estate loans and focus solely on hard money lending.

We’re proven, professional and are a true partner who’s readily available to help turn your plan into action. But here are some more reasons to choose the team at Community Capital as your local alternative lender:

Unmatched local knowledge and expertise
Industry and market connections
Entrepreneurial-minded
Consultative, client-centric approach
Quick-decisions and nimbleness
Well-capitalized
Over 150 years of combined experience
Preferred by Foreign Nationals
Broker-friendly
Competitive loan terms
Proven track record of success
Headquartered in South Florida
Variety of loan options to help with any funding need

Hard money loans provide the quick capital needed to purchase, refurbish, or stabilize investment properties. While every deal is unique, our streamlined process allows many transactions to close in as little as 10–14 days.

Interest rates vary among private real estate lenders and are influenced by many factors, including but not limited to the borrower’s needs, property type, loan-to-value, location, cash flow, and overall loan structure. Because every deal is unique, rates are determined case by case.

The market shifts daily, and so do available financing terms. However, you can always be assured that Community Capital Holdings will provide the most attractive rate possible for your specific scenario.

While private lending typically carries higher rates than traditional bank financing, it remains a compelling option for investors who need to move quickly without sacrificing equity.

Contact Community Capital today to discuss your project and receive the most competitive terms available for your hard money or bridge loan needs.

60% of the value of the property or purchase price – whichever is lower. We do require property appraisals and will also do our own assessment of the property using an income and sales approach to accurately determine its value.

Based on the real property value that Community Capital Holdings determines, we take a maximum of 60%; for example if we placed the value on a property of $1 million, the maximum amount of the loan would be $600,000.

Yes, Community Capital Holdings focuses solely on hard money private real estate lending and is a direct lender that fully underwrites, funds and services its own loans. 

We do it all in-house. We are relationship builders and get to know each of our borrowers personally. We enjoy interacting with you as much or as little as you desire, and try to make the qualification, payment and reporting process as simple, straightforward and seamless as possible. 

With considerable commercial banking and lending expertise, local market experience, and a proven success rate for quickly closing private real estate loans, we have helped thousands of borrowers reach their business goals and have built incredible relationships with our clients along the way.

In real estate, timing is everything – and having a well-capitalized partner like us is key. For these reasons, we are Florida’s premier choice for real estate investors.

While homesteaded primary residences are not eligible, Community Capital Holdings provides a variety of loans for all types of commercial real estate properties, rentals and investments (non-owner occupied), and various construction projects, including:

Property Types:

Commercial
Office
Retail
Single-Family Homes (Investment only)
Multi-Family
Townhouses (Investment Only)
Condos (Investment Only)
Apartment Complexes
Special-Use Properties
Industrial / Warehouse
Mixed-Use
Medical Office-Condo
Construction

Purposes:

Hard Money
Bridge
Construction
Loans for Foreign Nationals
Purchases
Refinance
Cash-Out
Fast-Cash
Short-Term
Investment Rehab (“Fix and Flip”)
Non-QM

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