How fast can a bridge loan close?

In as little as 24 hours. There is no loan committee — you get direct access to the decision maker and common-sense underwriting. Speed comes down to how quickly title clears.

Can you rescue a deal another lender dropped?

Yes. Rescue loans, foreclosure bailouts, and maturity default relief are exactly what bridge financing is built for. If time is against you, call me.

Is there a prepayment penalty?

No. Bridge loans are interest-only with no prepayment penalty, so you can exit the moment your sale closes or your permanent financing funds without paying extra.

What property types can a bridge loan cover?

All property types — single-family, multi-family, mixed-use, and commercial — including distressed and transitional assets that traditional lenders avoid.

How do I pay off a bridge loan?

You exit by selling the property or refinancing into longer-term financing — often a DSCR rental loan — once the property is stabilized or your situation resolves.

Illustration of Hard Money Henry wearing a red cap, gold chain, and black tracksuit

Bridge Loans in Florida

Sunshine State speed for flips, rentals, and STRs. I fund bridge deals across Florida — Short-term capital for properties in transition — close in as little as 24 hours.

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24 Hrs
Close In As Little As: 90%
Max Loan-To-Value: 15+
Markets Served

Bridge Loans For Florida Investors

Short-term capital for properties in transition — acquisition, refinance, or stabilization. Rescue loans when another lender drops the ball, foreclosure bailouts, and maturity default relief, with common-sense underwriting and no committee.

A bridge loan is short-term capital that gets you from where you are to where you need to be — a fast acquisition, a refinance, a stabilization period, or a rescue when time is against you. It "bridges" the gap until a permanent financing event or a sale.

As a direct lender working across Florida, I know the local markets — from Fort Lauderdale, Jacksonville, Miami and beyond — and I underwrite on the deal, not red tape. If your bridge numbers work, you get a same-day answer and funding fast enough to compete.

By The Numbers

Bridge Rates & Terms in Florida

The headline numbers for a bridge loan in Florida. Every deal is priced on its own merits — these are the guardrails.

Bridge loan rates, terms, and loan-to-value in Florida
Metric	Terms
Interest Rate	Competitive short-term
Loan-to-Value	Up to 75%
Payments	Interest-only
Prepay Penalty	None
Term	6–24 months
Close In	As little as 24 hours

Why It Works

Why Florida Investors Choose This Loan

Rescue loans when another lender drops the ball
Foreclosure bailouts and maturity defaults
Close in as little as 24 hours — no committee

Markets We Serve

Bridge Loans Across Florida

Fort Lauderdale
Jacksonville
Miami
Orlando
St. Petersburg
Tampa

Bridge Loan FAQs

How fast can a bridge loan close?: In as little as 24 hours. There is no loan committee — you get direct access to the decision maker and common-sense underwriting. Speed comes down to how quickly title clears.
Can you rescue a deal another lender dropped?: Yes. Rescue loans, foreclosure bailouts, and maturity default relief are exactly what bridge financing is built for. If time is against you, call me.
Is there a prepayment penalty?: No. Bridge loans are interest-only with no prepayment penalty, so you can exit the moment your sale closes or your permanent financing funds without paying extra.
What property types can a bridge loan cover?: All property types — single-family, multi-family, mixed-use, and commercial — including distressed and transitional assets that traditional lenders avoid.
How do I pay off a bridge loan?: You exit by selling the property or refinancing into longer-term financing — often a DSCR rental loan — once the property is stabilized or your situation resolves.

Other Loan Programs in Florida

All lending in Florida

Where We Lend

Bridge Loans in Other States

All about Bridge loans

Have A Florida Deal?

Tell me about your bridge project in Florida and get a same-day answer. No application fee, no obligation, no nonsense.

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