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

    Commercial Hard Money Lenders in Tampa, Florida

    CapitalAx places commercial hard money loans from $500,000 to $100 million across Tampa, St. Petersburg, Clearwater, Brandon, and the wider Tampa Bay area. 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 Tampa

    Tampa Bay has seen strong population growth, and that has lifted demand for multifamily, retail, and industrial property across Hillsborough and Pinellas counties. Large redevelopment projects have reshaped downtown Tampa, and the port supports a steady industrial market. As elsewhere in Florida, property insurance costs shape how banks lend, and private lenders often step in when a sound property does not fit a bank's current guidelines.

    Common Scenarios

    • Multifamily and mixed use value add projects
    • Hotels and motels near the beaches needing renovation
    • Retail and restaurant properties between tenants
    • Industrial purchases near the port and Interstate 4

    Recent CapitalAx Closings

    Frequently Asked Questions

    We arrange loans across Hillsborough, Pinellas, Pasco, and Polk counties and throughout Florida.

    Lenders require appropriate insurance, including flood coverage where it applies, and factor the cost into the deal. Having current quotes ready speeds up terms.

    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.