Hard Money Loans in West Palm Beach, FL
Find lenders offering hard money loans in the West Palm Beach, including Boca Raton, Delray Beach, Jupiter, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Which Hard Money lenders serve West Palm Beach?
15 lenders offering hard money loans in the West Palm Beach, FL area.
Lending One
LocalBoca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
LocalFL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
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.
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+.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Constitution Lending
NJ
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.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Stbridge Capital
Los Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
What does the West Palm Beach commercial real estate market look like?
West Palm Beach has undergone a dramatic transformation from a secondary South Florida market into a premier destination for financial services firms, with Goldman Sachs, Elliott Management, and Point72 establishing offices along the Clematis Street and Flagler Drive waterfront corridors. The city's downtown has seen a surge in Class A office construction and adaptive reuse projects, while the surrounding Palm Beach County markets of Boca Raton, Delray Beach, and Jupiter attract a mix of corporate users and family offices. Industrial demand in the western portions of the county, particularly along Southern Boulevard and the Turnpike, has increased as South Florida's logistics footprint expands northward. Palm Beach County's high-net-worth population supports luxury retail and hospitality CRE at levels disproportionate to its metro size.
Key Economic Drivers
- ●Financial firm relocations from New York, including Goldman Sachs and Elliott Management
- ●Family office and wealth management cluster along the Palm Beach County coastline
- ●Boca Raton and Delray Beach office and mixed-use expansion along Federal Highway
- ●Scripps Research Institute and Max Planck Florida driving life sciences demand in Jupiter
Market Insight
Palm Beach County's commercial rents have increased sharply as hedge funds and private equity firms bid for limited Class A space downtown, with some lease rates rivaling Brickell — a reversal of the historical discount this market carried relative to Miami-Dade.
How do hard money loans work in West Palm Beach, Florida?
Hard money loans are short-term, asset-based real estate loans used when speed and collateral matter more than full bank underwriting. They are common for fix-and-flip projects, distressed acquisitions, and short bridge periods before a sale or refinance. In the West Palm Beach metro area, borrowers can access 15 lenders offering Hard Money financing, including Boca Raton, Delray Beach, Jupiter, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 9% - 12%+.
Who should consider hard money loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Auction or deadline-driven closings
- Short bridge periods before sale or refinance
What are the key requirements?
- Property or ARV support (often capped near 70-75%)
- Clear exit plan
- Cash for down payment, fees, and overruns
- Appraisal or valuation review
Advantages
- ✓Fast closings
- ✓Interest-only payments are common
- ✓Rehab funding is available on many deals
- ✓More flexible than bank underwriting
Considerations
- •Higher rates and points than bank or DSCR debt
- •Short terms with real refinance pressure
- •Property type and rural limits are common
- •Extension and draw fees can add up fast
Hard Money Loans in West Palm Beach FAQ
How many Hard Money lenders serve West Palm Beach, FL? ▼
What are Hard Money loan rates in West Palm Beach? ▼
Is hard money the same as a bridge loan? ▼
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Where else can I find hard money loans in Florida?
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