Private Real Estate Loans for Florida Investors
Sachem Lending provides short-term, asset-based loans to real estate investors and developers across Florida. We fund purchases, renovations and new construction on residential and commercial property, with loans from $500,000 to $25 million and terms that typically run 12 to 36 months.
We lend in Florida from our office in Branford, Connecticut, where our in-house team reviews each deal. Funding estimates usually take a day or two, and most loans close in 30 to 45 days. Start with the options below, or apply online.
Florida Loan Programs
Fix and flip, new construction, bridge, entitled land and distressed acquisition loans for investment property across Florida. Loan amounts run from $500,000 to $25 million, secured by the property rather than your personal income.
Application Process
Send us the property address, the loan amount and your plan. Our in-house team reviews the request and, if the project qualifies, sends a term sheet. Funding estimates usually take a day or two.
Who We Lend To
Investors, builders and brokers working across Florida, whether you are on your first flip or running several projects at once. We look at the property, the plan and your experience, not only your credit score.
Apply Now
Ready to talk about a deal across Florida? Apply online in a few minutes, or call our lending team at 203.433.4736 to talk it through before you submit.
A LENDER YOU CAN RELY ON
Sachem Capital was founded in Branford, Connecticut in 2010 by John Villano, who saw a need for business and investment loans. Today Sachem is a publicly traded real estate finance company that originates, services and manages its own portfolio of first mortgage loans. We lend in Florida from our Connecticut office, and in 2022 we acquired Urbane New Haven, LLC, a real estate development and construction firm, which adds hands-on construction experience to the way we review your project.
Private Real Estate Lending in Florida
Florida is one of the most active real estate markets in the country, and it is really several markets. South Florida, Tampa Bay, Orlando and Jacksonville all behave differently, as do the Gulf Coast and the Panhandle. New construction is a large part of the business throughout the state.
Florida projects come with considerations you won’t find everywhere. Building codes address wind and storms, and property insurance is a significant line in any budget. It pays to account for both before you buy.
Loan basics
Sachem Lending makes loans from $500,000 to $25 million, typically for 12 to 36 months, on residential and commercial property. Most loans close in 30 to 45 days. Our in-house team handles servicing and construction management. Read the FAQs, or contact us about your Florida project.
Hard Money Loans Across Florida
Florida is really several markets, and new construction is a large part of the business statewide. Here is how our loans fit the areas we see most.
South Florida
South Florida projects tend to be larger, and insurance is a significant line in any budget. With loans up to $25 million, we finance ground-up new construction and major renovations.
Tampa Bay
Tampa Bay combines renovation and new building. Our fix and flip loans cover the purchase and the work so you can start as soon as you close.
Orlando
Orlando has steady demand for new homes. For land that already has approvals, our entitled land development loans fund site work, infrastructure and vertical construction. See our guide to land development loans in Orlando.
Jacksonville and the Gulf Coast
Jacksonville, the Gulf Coast and the Panhandle each behave differently. Building codes address wind and storms, so account for both before you buy. A bridge loan can carry a property until you sell or refinance.
Why Use a Private Lender in Florida
A bank looks mostly at your income and credit history. As a private lender, Sachem focuses on the property, your plan and your experience, which helps when a project does not fit a bank’s checklist or when you need to move quickly.
Most of our loans close in 30 to 45 days, and sometimes faster when the paperwork is ready. In most cases there is no prepayment penalty, so you can pay the loan off when you sell or refinance.
Florida Lending Questions
How fast can you close a loan in Florida?
Most loans close in 30 to 45 days, depending on documentation and the condition of the property. When all requirements are in place, closing can happen faster.
What loan amounts do you offer?
Our loans range from $500,000 to $25 million, depending on the property and the project. Terms typically run 12 to 36 months.
Do I need perfect credit to qualify?
No. Our underwriting focuses on the property, your experience and the project itself rather than only on credit scores or income.
What types of Florida property do you lend on?
We lend on single-family homes, multifamily buildings, retail, medical office, industrial and other commercial property.
Can you lend in Florida from Connecticut?
Yes. Florida is part of our lending area, and our in-house team in Branford, Connecticut reviews, closes and services each loan. You can reach the lending team at 203.433.4736 or lending@sachemcapitalcorp.com.
Are there prepayment penalties?
In most cases, no. You can repay your loan early without extra cost. For more answers, see our full FAQ page.
Bridge Loan Programs
At Sachem Capital, we create value for our clients and shareholders by offering customized loan programs designed for investors, developers, and brokers. Our solutions encompass a diverse portfolio of real estate assets, tailored to meet the unique needs of each project.
Fix and Flip
Whether you’re just starting out or scaling your portfolio, Sachem delivers the funding you need to purchase, renovate, and resell with confidence and speed. We make financing simple, so you can focus on growing your profits and expanding your business.
New Construction
From simple homes to large developments, our flexible construction loans deliver the capital and support you need, fast and hassle-free. Sachem provides responsive service and reliable funding that keeps your project moving forward right on schedule.
Bridge - Value Add
We provide short-term bridge financing to help you acquire, renovate, and reposition investment properties quickly. Our team moves with speed and precision so you can unlock hidden potential and boost cash flow without delays.
Entitled Land Development
We deliver tailored financing to help you move from paper to project-site prep, infrastructure, and vertical construction. With Sachem’s capital and expertise, your development drives forward on time, on budget, and built to perform.
Distressed Acquisition
Distressed Asset with Upside? Move Fast and Win. Our acquisition loans deliver rapid capital, so you can confidently seize time-sensitive deals. With Sachem’s certainty and decisive execution, you act fast and unlock value.