Private Loans US
Get a Quote

Direct Capital for Florida Real Estate Investors

We lend our own money, we underwrite the property, and we close on the date we said we would. Term sheet in 24 hours. Funding in as little as 7 days.

Fix & FlipBridgeVacant LandNew Construction

[X] Florida investors funded this year

Term sheet in 24 hrs
Funding in as little as 7 days

You found the deal. Now you need a lender who moves as fast as you do.

Every experienced investor in Florida has the same story. You get a property under contract with a 14-day close because that’s what it took to beat the other offers. Then the lender you called says “we can probably do 30 days.” Or they come back a week later with a term sheet that looks nothing like what they quoted on the phone. Or the deal is fine but their capital partner got nervous about Tampa and now the leverage dropped ten points.

That's not a lending problem. That's a broker problem — and a committee problem.

Private Loans US is a direct, asset-based lender. There's no capital partner behind us who has to sign off. When we tell you the terms, those are the terms. When we say we'll close on the 23rd, we wire to the title company on the 23rd.

Asset-Based Loans for Every Stage of a Florida Deal

Four programs. All underwritten on the property and the plan, not your W-2.

Fix & Flip Loans

Purchase and rehab in one loan. Up to 90% of purchase and 100% of renovation costs, capped at 70% of after-repair value. Twelve to eighteen months, interest-only.

Get Fix & Flip terms
Bridge Loans

Close fast, pull equity, or buy time between deals. Up to 75% LTV, six to twenty-four months, no prepayment penalty after month three.

Get Bridge terms
Vacant Land Loans

Lot and acreage financing most Florida banks won't touch. Entitled or raw, with the exit strategy built into the structure.

Get Land terms
Ground-Up Construction Loans

Land plus vertical, funded on a draw schedule that tracks your build. Up to 85% of total project cost.

Get Construction terms

We're the Lender. Not the Middleman.

There's a simple test for any private lender you're talking to: ask them whose money it is. If the answer takes more than one sentence, you're talking to a broker.

Ours is short. It's ours.

That's why we can commit to terms on a Tuesday and fund the following Tuesday. There's nobody upstream to re-underwrite the file. Nobody to change their mind about Pinellas County. Nobody whose fund closed to new deals last week.

  • Direct capital. We fund from our own balance sheet. No investor approvals, no committee.

  • Asset-based underwriting. The property, the numbers, and your plan qualify the loan. We look at credit, but it doesn't drive the decision.

  • Closings that happen on the date. Term sheet within 24 hours of a complete application. Funding in as little as 7 business days.

Proven Capital You Can Trust

$[X]M+
Funded in Florida
[X]+
Loans Closed
[X]
Average days to close

Why We Only Lend in Florida

Because Florida isn't one market. It's a dozen.

The insurance quote that works in Jacksonville won't work in Cape Coral. A rehab budget that's tight in Ocala is generous in Sarasota. Permits in Hillsborough move at a different pace than Lee County, and any lender who's been paying attention knows that the 40-year condo inspection rules changed the math on a lot of coastal deals.

We're not spreading capital across 40 states and learning your market from a spreadsheet. We lend here. We know which submarkets have softened this year and which ones are still moving, and we price deals accordingly — which, honestly, is better for you than a national lender who applies one leverage grid to everything.

From Application to Wire in Four Steps

  1. Tell us about the deal. The Get Started form takes about five minutes. Property, numbers, timeline, exit.

  2. Get terms in 24 hours. A real term sheet from the people who are actually funding it.

  3. Schedule closing. We order title and valuation and coordinate with your closing agent.

  4. We wire. You close. Funds go directly to the title company on the scheduled date.

See the full process

Investors Who Closed With Us

“They funded my flip in eight days when my bank needed forty. Same terms on the closing statement as the term sheet.”
Marcus T., Tampa
“First lender that would actually finance a raw lot. Straight answers about what it would take, and they delivered.”
Priya S., Ocala
“Construction draws showed up on time, every single time. That's rarer than it should be.”
Dan R., Jacksonville

Common Questions About Private Lending in Florida

An asset-based direct lender funds loans from its own capital and underwrites primarily on the value of the real estate securing the loan rather than the borrower's income or tax returns. Private Loans US lends its own money on Florida investment property, which means no third-party approval is needed to issue or fund a loan.

Ready to Fund Your Next Deal?

Tell us about the property. We'll send terms within 24 hours.

Fix & FlipBridgeVacant LandNew Construction