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What is a Hard Money Loan?

A short-term, asset-based financing solution designed for real estate investors.

Similar to Bridge Loans, Hard Money loans are intermediary loan options for individuals looking to invest in real estate. They’re short-term loans that can be accredited based on the value of the investment property over the borrower’s credit situation. Traditional banks and other financial institutions typically do not offer hard money loans. These loans can be obtained from private lenders such as Community Capital.

Qualified Property Types for Hard Money Loans

Review the property types eligible for financing under this loan program.

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Commercial Properties

Apartment Complexes

Retail Properties

Warehouses and Industrial Plants

Single-Family and Multi-Family Homes*

Construction projects

Townhouses and Condos*

*This provision does not apply to homesteaded primary residences.

For a full list of qualified hard money loan property types or for additional information, please contact us online or call 1 (954) 947-1232.

Loan benefits with Community capital

Built to support broker success 

Looking for private funding for your next investment property? Community Capital offers hard money loans throughout Florida to help future investors get the funding they need to purchase or renovate an investment property. Our team of professional hard money lenders will work to provide the best hard money loan options for your investment project.

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Fast & Reliable Funding
variety of loan options
Quick Decisions &
Competitive Rates
Local and Experienced staff
Loan terms

A quick overview of the key terms designed to help you move forward with confidence.

Up to 24 months
Interest only
Rates change daily
60% maximum LTV
1st mortgage position
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How Our Loan Application Process Works

In real estate timing is everything and we’re here to help you act quickly.

1

Submit Your Request – Tell us about your project and financing needs.

2

We Will Reach Out – Our team connects with you to understand your goals and answer questions.

3

Complete the Application – A simple form gives us the details we need to move forward.

4

Get Funded Fast – Once approved, we move quickly to deliver your capital.

1

Submit Your Request – Tell us about your project and financing needs.

2

We Will Reach Out – Our team connects with you to understand your goals and answer questions.

3

Complete the Application – A simple form gives us the details we need to move forward.

4

Get Funded Fast – Once approved, we move quickly to deliver your capital.

get funded
A hard money loan is a short-term, asset-based loan funded by a private lender rather than a bank. Approval is based primarily on the value of the property, not the borrower’s credit score or income history — making it an ideal solution for real estate investors who need to move fast.
We fund a wide range of investment properties throughout Florida, including residential investment properties, commercial properties, mixed-use buildings, and renovation projects. The property must be located in Florida.
Yes. Community Capital is a direct private lender with in-house underwriting. There are no middlemen, which means faster decisions and more flexible terms than you’d get through a broker-dependent lender.
We issue credit decisions within 24 hours and can close in a matter of days, depending on the deal. Our in-house underwriting team handles everything directly — no third-party delays.
No. Hard money loans are asset-based, meaning approval is driven by the value of the property and the strength of the deal — not your credit profile. Borrowers with past credit issues are still eligible.
As a general guideline, we typically work with loan amounts starting at $400,000, with a maximum loan-to-value (LTV) of 60% and a maximum loan-to-cost (LTC) of 60%. Loan terms typically run 12–24 months. These are marketing benchmarks, not strict cutoffs — we evaluate every deal on its own merits and may exceed these parameters for strong opportunities. Contact our team to discuss your specific project.
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