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 Sarasota, FL

Find lenders offering bridge loans in the Sarasota, including Bradenton, Venice, Lakewood Ranch, 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 Sarasota

43 lenders offering bridge loans in the Sarasota, 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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Sarasota Commercial Real Estate Market

Sarasota's commercial real estate market has benefited from accelerating population growth and wealth migration, particularly from the Northeast and Midwest, making it one of the fastest-growing metros on Florida's Gulf Coast. The downtown core along Main Street and the Rosemary District has seen significant mixed-use and boutique office development, while Lakewood Ranch — one of the top-selling master-planned communities in the U.S. — anchors commercial growth to the east. Medical office demand is elevated, driven by Sarasota Memorial Hospital's expansion and a growing population of retirees. The University Town Center area has emerged as a major retail and office node competing with the traditional downtown market.

Key Economic Drivers

●Lakewood Ranch master-planned community driving suburban office, medical, and retail demand
●Sarasota Memorial Hospital system expansion and medical office construction
●Wealth migration from high-tax states fueling luxury retail and boutique office demand
●University Town Center corridor as a regional retail and Class A office hub

Market Insight

Sarasota County saw one of the highest rates of net domestic in-migration per capita among Florida counties in recent years, and the resulting demand pressure has pushed commercial land prices up significantly — particularly in the Fruitville Road and Palmer Ranch corridors.