Florida Hard Money Loans
Investor-Focused Lending without Bank Delays
Direct Lending Means Lower FeesPurchase, Refinance, or Cash-Out • LTV up to 85%
Fixed-rate options from 6.99% APR (6.25% Available for Loans $3M+)
Built to Solve Complex Loan Scenarios
“Other lenders hesitated, but Vala helped us secure funding and move forward without delays.” – JW
We Specialize in Financing Florida Investment Properties
Top Loan Programs
TopLendr hard money loans are designed for real estate investors who need efficient access to capital with competitive interest rates. Complete our streamlined online application in less than five minutes. We offer these additional real estate loan options:
Fix & Flip
Funds for purchase + rehab or refinance + rehab
Loan Amount
up to $ 5,000,000
Interest Rate
10-12.75%
Origination Fee
1.875%
Loan To Value
up to 80%
More Info
Bridge Loans
Short-term financing to transition between properties
Loan Amount
up to $ 3,000,000
Interest Rate
7.5%
Origination Fee
2-3%
Loan To Value
up to 80%
More Info
Rental Loans
Financing for purchasing or refinancing rental properties
Loan Amount
up to $ 5,000,000
Interest Rate
10-13.25%
Origination Fee
1.875%
Loan To Value
up to 90%
More Info
Our Lending Model
- No call centers. Work directly with a decision maker.
- Pre-approvals within 24 hours, funding in days.
- Fixed-rate options starting at 6.99% APR (6.25% for $3M+ loans).
- Loan terms, ranging from 6 to 36 months.
- Loans funded directly, not brokered.
- Interest-only payment options to help manage cash flow.
- Streamlined process designed to save time and reduce costs.
- Hard money, commercial, and residential investment loans provided.
- Stated income options with no income verification or cash reserve requirements.
- Past bankruptcy, foreclosure, and foreign national borrowers considered.
How It Works?
Deal Review
Start with a brief call with one of our licensed senior loan officers to review your deal and understand your investment goals.
Project Assessment
We assess the opportunity using assetbased criteria and identify loan programs that fit your needs. In many cases, approvals and terms are issued within 24 hours.
Approval & Funds
Once you accept the terms, we move quickly to prepare closing documents and work with escrow. After final approval and document completion, funds are often wired within 24 hours.
Why Choose Us?
Investor-Focused Loan Officers
Competitive Terms Built for Cash Flow
Over 20 Years of Real Estate Experience
48-Hour Funding for Qualified Deals
We review and match competitive written offers, where applicable
Success Stories
JW (Real Client)
“A few years ago, I found myself in a pinch with the falling real estate market. The usual cast of lenders was jumpy and unwilling to fund traditional loans. Max really helped us out. I liked the experience so much that now I’m an investor. They provide a valuable service to the community.”
JB (Real Client)
“I’ve had the privilege of working with Vance and Doug on several commercial mortgage loans and what stands out for me every time I engage them is their attention to detail. They’ve always put in the time to understand the deal and provide more than just one option! Not only have they been able to provide financing for me on challenging projects that have been turned down by others but each time they’ve delivered on their terms and timing.”
Benjamin Franklin
“If you would like to know the value of money, go and try to borrow some.”
The Advantage of Private Capital
Structured flexibility with dependable results.
Private Lending
- Higher Leverage Options
- Reliable, Deal-Focused Capital
- Efficient Closing Timelines
- Asset-Based Underwriting
- In-House Decision-Making and Processes
Regional Banks
- Lower Leverage Limits
- Extended Approval Timelines
- Rigid Underwriting Requirements
- Extensive Documentation Requests
- Exposure to Internal Lending Caps
– Max Khorasan
Representatives Available 7 Days a Week to Better Serve Our Clients In Florida
As a Direct Hard Money Lender, We Don’t Have To Deal With The Banks. We Make The Final Decision On Approving Your Loan.