What's the difference between a bridge loan and hard money?

They overlap significantly. Bridge loans tend to be slightly more institutional, with lower rates and higher minimums. Hard money is often from private individuals, more flexible but more expensive. The terms are sometimes used interchangeably.

When should I use a bridge loan?

When you need to close fast, when the property doesn't qualify for permanent financing yet (unstabilized, needs renovation), or when you need short-term capital while arranging long-term financing.

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Bridge Loans in Jacksonville, FL

Find lenders offering bridge loans in the Jacksonville, including St. Augustine, Orange Park, Ponte Vedra Beach, and surrounding areas. Compare rates, terms, and programs from 43 lenders.

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Lenders

Typical Rate

8% - 12%

Down Payment

20-30%

Term

6-36 months

Closing Time

1-3 weeks

Bridge Lenders Serving Jacksonville

43 lenders offering bridge loans in the Jacksonville, FL area.

Janover

Local

Boca Raton, FL

Commercial loan marketplace connecting borrowers with lenders. Multifamily and commercial property debt. Growing platform with competitive terms.

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Lending One

Local

Boca Raton, FL

National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.

$75K – $5M

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New Silver Lending

Local

Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.

$100K – $5M

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Vaster

Local

Miami, FL

Commercial bridge loan lender for CRE investors. Flexible short-term financing for acquisition, rehab, and construction.

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PNC Bank, National Association

SBA

WILMINGTON, DE

One of the largest U.S. banks, offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and comprehensive treasury management. Full-service business banking across the eastern United States.

68 SBA loans

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Truist Bank

SBA

Charlotte, NC

One of the top 10 U.S. banks formed by the BB&T and SunTrust merger. Offers SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and comprehensive business banking nationwide.

13 SBA loans

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Acore Capital

New York, NY

Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.

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Anchor Loans

Thousand Oaks, CA

One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.

$100K – $10M

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Arbor Realty Trust

Uniondale, NY

Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.

$1M – $100M

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Berkadia

Ambler, PA

Joint venture of Berkshire Hathaway and Jefferies. Commercial mortgage banking, investment sales, and servicing.

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Broadmark Realty Capital

Seattle, WA

Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.

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CBRE Capital Markets

Dallas, TX

Global CRE services and capital markets. Arranges debt and equity for all commercial property types.

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Civic Financial Services

Redondo Beach, CA

Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.

$100K – $5M

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Constitution Lending

Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.

$100K – $2M

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CoreVest Finance

Irvine, CA

Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.

$200K – $50M

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Jacksonville Commercial Real Estate Market

Jacksonville is the largest city by land area in the contiguous U.S., offering extensive development capacity that keeps commercial land costs well below South Florida levels. The Southside/Gate Parkway corridor houses major financial operations for Deutsche Bank, FIS, and Black Knight, while JAXPORT's growing container volumes have spurred industrial development along the Northside and Westside. Downtown Jacksonville is undergoing revitalization with the former Shipyards site and Lot J project adjacent to TIAA Bank Field. The city's military presence — Naval Station Mayport and Naval Air Station Jacksonville — provides a stable economic anchor and drives demand for government-contracted office and industrial space.

Key Economic Drivers

●JAXPORT container terminal expansion and Northside logistics corridor
●Financial services operations centers for FIS, Black Knight, and Deutsche Bank
●Naval Station Mayport and NAS Jacksonville military-driven demand
●Downtown Shipyards and Lot J redevelopment catalyzing urban core investment

Market Insight

Jacksonville offers a Qualified Target Industry Tax Refund program that can provide $3,000 to $6,000 per job created for qualifying businesses, and the city's Northside industrial corridor benefits from a Foreign Trade Zone designation that reduces duty costs for import-dependent tenants.