Florida’s commercial real estate market is one of the most dynamic in the country. South Florida — Miami, Fort Lauderdale, and Boca Raton — continues to attract domestic and international capital, driving demand across all asset classes. Tampa Bay has emerged as a top-tier multifamily and industrial market, while Orlando’s tourism economy supports strong hospitality and retail lending. The state’s continued population growth means demand consistently outpaces supply.
Commercial Loans of Texas is a direct lender headquartered in Magnolia, TX, serving Florida and 43 other states nationwide. We make our own credit decisions — no broker, no middleman, no surprises at closing. Our borrowers in Florida typically close in 5–15 business days.
Commercial Loan Programs Available in Florida
We offer every major commercial loan program in Florida, from fast hard money loans to long-term 30-year fixed financing. Most programs require no tax returns and no upfront fees.
- Hard Money Loans — Asset-based lending up to 70% LTV. No income docs. Close in 5–10 business days. Ideal for acquisitions, fix-and-flip, and value-add commercial properties in Florida.
- DSCR Loans — Qualify on the property’s rental income, not your W-2 or tax returns. Great for investment properties and landlords across Florida.
- Stated Income Commercial Loans — No tax returns required on most programs. Built for self-employed borrowers, business owners, and investors in Florida.
- SBA 7(a) and SBA 504 Loans — Government-backed financing for owner-occupied commercial real estate and business acquisitions. Available statewide in Florida.
- Bridge Loans — Short-term capital to close quickly while permanent financing is arranged. Common in competitive Florida markets.
- Construction Loans — Ground-up construction and major renovation financing for commercial projects throughout Florida.
- Multifamily Loans — 5+ unit apartment financing with competitive rates, available in every market in Florida.
- 30-Year Fixed Commercial Loans — Long-term, fixed-rate commercial financing for stabilized investment properties.
Property Types We Finance in Florida
- Office buildings and medical office
- Retail strip centers and single-tenant NNN properties
- Industrial, warehouse, and flex space
- Multifamily (5+ units) and mixed-use buildings
- Self-storage facilities
- Hotels, motels, and short-term rental properties
- Church and faith-based properties
- Special use and non-warrantable properties
- Land and ground-up development
Loan Terms for Florida Borrowers
| Feature | Details |
|---|---|
| Loan Amounts | $150,000 – $5,000,000+ |
| Max LTV | Up to 70–75% depending on program |
| Loan Term | 12 months to 30 years |
| Income Docs | None required on most programs |
| Min Credit Score | 600+ (some programs lower) |
| Closing Time | 5–15 business days typical |
| Upfront Fees | None |
| States | 43 states including Florida |
Cities We Serve in Florida
We lend on commercial properties throughout Florida, including Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, Sarasota. If the property is in Florida — urban, suburban, or rural — we can structure a loan for it. Contact us for a same-day quote regardless of location within the state.
Why Florida Borrowers Choose Us Over Local Banks
Local banks in Florida are often slow, require mountains of documentation, and reject borrowers who don’t fit a narrow qualification box. We work differently.
- Direct lender since 1998 — We fund our own loans. No brokers, no referral fees passed to you, no committee approval delays.
- Same-day response — Submit your deal and hear back from a decision maker within hours, not days or weeks.
- No upfront fees — We never charge application fees, processing fees, or due diligence fees before closing.
- No tax returns on most programs — We qualify based on the asset and its income, not your personal tax history.
- Fast closings — Most Florida commercial loans close in 5–15 business days from application to funding.
- Common-sense underwriting — We look at the deal, not just the borrower’s credit file. If the property makes sense, we find a way to fund it.
Frequently Asked Questions — Commercial Loans in Florida
Do I need a Florida business entity to get a commercial loan?
No. You can borrow as an individual, LLC, corporation, or partnership. Most investors use an LLC for liability protection, but it is not required to qualify. We lend to all entity types in Florida.
How fast can you close a commercial loan in Florida?
Most Florida commercial loans close in 5–15 business days from application to funding, depending on the program and how quickly the appraisal is completed. Hard money loans can sometimes close in as little as 5 business days. We provide a same-day term sheet so you know exactly where you stand.
What Commercial Loan Programs Are Most Popular in Florida?
Hard money and bridge loans are extremely popular in Florida for fast closings in competitive markets. DSCR loans are widely used by Florida’s large population of investment property owners, particularly in the short-term rental markets of Miami Beach, Orlando, and the Gulf Coast. Stated income programs work well for self-employed borrowers, a large segment of Florida’s entrepreneur-heavy population.
What is the minimum loan amount for commercial loans in Florida?
Our minimum loan amount is $150,000 for commercial properties in Florida. There is no maximum — we have closed loans well above $5 million. For deals under $150,000, we can sometimes make exceptions depending on the property type and location.
Ready to get a commercial loan in Florida? Apply online here or call us at 877-895-3634. Same-day response, no credit pull, no upfront fees. We have been closing commercial loans since 1998 and we know how to get difficult deals done.
Commercial Loans by City in Florida
We lend in every market in Florida. Here is an overview of our activity in the state’s major commercial real estate markets.
Commercial Loans in Miami, Florida
Miami is one of the world’s most dynamic commercial real estate markets, attracting significant domestic and international capital across all asset classes. Brickell’s financial district, Wynwood’s creative economy, and the urban core’s multifamily market are all exceptionally active. Hard money and bridge loans close more deals in Miami than any other program.
Commercial Loans in Orlando, Florida
Orlando’s commercial market is driven by tourism, a rapidly growing tech sector, and one of the fastest population growth rates in the country. Industrial, multifamily, and retail properties near the major theme park corridors and I-4 are in constant demand. DSCR loans are popular for Orlando’s large short-term rental investment community.
Commercial Loans in Tampa, Florida
Tampa has emerged as one of Florida’s top commercial real estate markets, with strong fundamentals across multifamily, industrial, and office sectors. The Port of Tampa drives significant logistics and industrial demand, while Ybor City and Water Street are hotbeds for mixed-use investment. Bridge loans are heavily used in Tampa’s competitive market.
Commercial Loans in Jacksonville, Florida
Jacksonville is Florida’s largest city by area and a major logistics hub, with some of the state’s most affordable commercial real estate prices. Industrial and warehouse properties near the port are highly sought after. Multifamily demand is strong given rapid population growth, and DSCR loans are widely used by Jacksonville investors.
Commercial Loans in Fort Lauderdale, Florida
Fort Lauderdale offers a more accessible entry point than Miami while sharing the same strong South Florida fundamentals. The marine industry, luxury retail, and multifamily sectors are particularly active. Hard money and stated income loans are popular for Fort Lauderdale’s large investor and self-employed borrower community.
Commercial Loans in Sarasota, Florida
Sarasota is one of Florida’s most affluent coastal markets, with strong demand for hospitality, luxury retail, and upscale multifamily properties. The arts and culture scene drives tourism and short-term rental demand. Bridge loans and DSCR programs are popular for Sarasota’s active investment property market.