Business-purpose hard money financing · Miami & South Florida
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Miami commercial real estate considered for a hard money loan

Business-purpose commercial property

Commercial Hard Money Loans in Miami, Florida

Short-term financing for eligible multifamily, mixed-use, retail, office, industrial and hospitality transactions.

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Direct answer

How this hard money option works

Commercial hard money loans are short-term, business-purpose loans secured by eligible commercial real estate. They may serve acquisitions, maturities, renovation, vacancy, lease-up or other situations that do not fit conventional underwriting today.

Commercial underwriting connects collateral with rent roll, NOI, tenancy, condition, sponsor and exit.

Five-plus-unit multifamily, mixed-use, retail, office, warehouse, light-industrial and selected hospitality assets may be considered.

Environmental, zoning, property-condition, tenant and insurance risks can be material.

Potential fit

Scenarios this option may serve

  • Five-plus-unit multifamily
  • Mixed-use, retail or office
  • Warehouse, flex and light-industrial
  • Selected hospitality or special situations

Underwriting focus

Factors that shape eligibility

  • Type, use, occupancy and NOI
  • Tenant concentration and rollover
  • Condition, environmental and insurance
  • Sponsor capacity, equity and exit

Prepare early

Documents commonly requested

The final checklist depends on the borrower, property, transaction and lender. A complete first package reduces avoidable follow-up.

  1. 01Rent roll, leases and T-12
  2. 02Condition and environmental information
  3. 03Purchase or payoff and uses
  4. 04Entity and sponsor profile
  5. 05Budget and exit

Transaction path

What happens next

  1. 01

    Share the deal

    Provide the address, purchase or payoff, requested loan, condition, budget, timing and planned exit.

  2. 02

    Review the collateral

    We organize basis, as-is value, ARV or stabilized value, LTC, LTV, title, insurance and property risks.

  3. 03

    Compare lender paths

    Capwell presents a complete request to participating hard-money and private-lending sources whose current programs may fit.

  4. 04

    Complete underwriting

    The selected lender verifies value, title, insurance, entity, sponsors, property condition, exit and every closing condition.

Clear answers

Commercial Hard Money Loans Questions

What property types may qualify?

Potentially multifamily, mixed-use, retail, office, industrial, warehouse, hospitality and other eligible income-producing property.

Is NOI always required?

A transitional or vacant asset may be analyzed using value, reserves and a supported stabilization plan.

Can renovation funds be included?

Some lenders may approve holdbacks for documented work and release funds through draws.

Is this a bank mortgage?

No. Hard money is usually shorter term, higher cost and more collateral- and exit-focused.

Related hard money options

Continue comparing investor financing paths

Hard Money Purchase LoansProperty-backed financing for eligible investment purchases with short deadlines, nonstandard condition or a defined exit.Hard Money Refinance LoansReplace eligible debt while resolving a maturity, property issue or temporary obstacle to conventional refinancing.Hard Money Cash-Out LoansReplace eligible debt and request additional business-purpose proceeds from supported investment-property equity.Distressed Property Hard Money LoansShort-term financing for eligible distressed property when condition, repairs or code issues prevent conventional financing.

Discuss the property

Start with a property-specific hard money review

Share the property, purchase or payoff, requested loan, current condition, timeline and exit. We will organize the scenario and identify participating-lender paths that may fit.

  • Purchase, refinance, cash-out and renovation requests
  • Rental, vacant, distressed, commercial and land collateral
  • No obligation and no guarantee of approval
(786) 685-4328

Request a Hard Money Review

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