Hotel exterior with palm trees, the type of property financed with commercial hard money loans in Miami.

    Commercial Hard Money Lenders in Miami, Florida

    CapitalAx places commercial hard money loans from $500,000 to $100 million across Miami, Miami Beach, Coral Gables, Hialeah, Fort Lauderdale, and South Florida. Private lenders in our network close in as little as 7 to 21 days.

    Get terms from 350+ lenders

    A CapitalAx broker responds within one business day.

    Typical Terms

    Typical commercial hard money loan terms
    Loan size$500,000 to $100,000,000
    Loan to valueUp to 65% to 70%
    Interest rate10% to 13%
    Origination1 to 3 points
    Term6 to 24 months, interest only
    Time to close7 to 21 days
    CollateralFirst lien on commercial or investment real estate
    Underwriting focusProperty value, equity, and exit strategy

    These are typical ranges across our lender network. Your terms depend on the property, leverage, location, and exit plan.

    Hard Money Lending in Miami

    Miami is one of the most competitive commercial property markets in the country, and sellers often expect fast closings. International buyers and investors are a large part of the market, and private lenders are frequently the practical option for borrowers whose income or credit history is based outside the United States. Hospitality, mixed use, and retail property make up much of the demand.

    Common Scenarios

    • Purchases that must close faster than a bank allows
    • Foreign national borrowers buying commercial or investment property
    • Hotels, motels, and mixed use buildings being renovated
    • Cash out refinances to fund another acquisition

    Recent CapitalAx Closings

    Frequently Asked Questions

    Many do. Lenders focus on the property, the equity, and the exit plan, and they will explain what documentation they need from a borrower based outside the United States.

    Typical closings take 7 to 21 days after a complete submission, depending on valuation, title, and insurance.

    See full program details, requirements, and how the process works on our commercial hard money loans page.

    Terms shown are typical ranges and are not a commitment to lend. All loans are subject to lender approval.