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.

🌉

Bridge Loans in Miami, FL

Find lenders offering bridge loans in the Miami, including Fort Lauderdale, Coral Gables, Hialeah, and surrounding areas. Compare rates, terms, and programs from 43 lenders.

Find Miami Bridge Lenders →

Lenders

Typical Rate

8% - 12%

Down Payment

20-30%

Term

6-36 months

Closing Time

1-3 weeks

Bridge Lenders Serving Miami

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

Janover

Local

Boca Raton, FL

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

View →

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

View →

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

View →

Vaster

Local

Miami, FL

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

View →

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

View →

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

View →

Acore Capital

New York, NY

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

View →

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

View →

Arbor Realty Trust

Uniondale, NY

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

$1M – $100M

View →

Berkadia

Ambler, PA

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

View →

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+.

View →

CBRE Capital Markets

Dallas, TX

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

View →

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

View →

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

View →

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

View →

Miami Commercial Real Estate Market

Miami's commercial real estate market is driven by its status as the gateway to Latin America, with the Brickell Financial District serving as the densest concentration of banking and finance offices in the Southeast. Submarkets like Wynwood and the Design District have transformed from warehouse zones into high-rent retail and creative office corridors, while Doral and the Airport West area dominate industrial and logistics activity tied to Miami International Airport. South Florida has attracted a wave of financial firms and hedge funds relocating from New York, pushing Class A office rents in Brickell to among the highest in the Sun Belt. The multifamily and condo market remains robust, fueled by international capital flows and persistent domestic migration from the Northeast.

Key Economic Drivers

●Latin American trade and banking corridor anchored by Brickell Financial District
●Miami International Airport cargo operations driving Doral and Airport West industrial demand
●Financial firm and hedge fund relocations from New York and Connecticut
●International buyer capital flowing into Wynwood, Edgewater, and Design District mixed-use projects

Market Insight

Miami-Dade County's commercial property values are reassessed annually at full market value with no cap on increases, and the county's combined millage rate makes wind and flood insurance costs a critical factor — coastal properties can see insurance expenses consume 10% or more of gross rental income.