In the hyper-competitive Miami-Dade real estate market, timing isn’t just everything—it’s the only thing. With 43% of all real estate transactions in Miami being all-cash and median single-family home prices hovering around $665,000, investors and developers are often sidelined by the slow, bureaucratic pace of traditional banks.
Whether you are a fix-and-flip investor in Hialeah, a luxury developer in Coral Gables, or a mortgage broker in Brickell, Capital Funding Financial serves as the premier hard money lender in Miami, providing the speed and flexibility needed to secure high-stakes deals with minimum documentation and favorable terms.
The Miami market is shifting. While inventory is rising (up 20% year-over-year in late 2025), the demand for “turnkey” and “luxury” assets remains at an all-time high. Traditional lenders often require 45–60 days to close, whereas Capital Funding Financial can fund a deal in as little as 7 to 14 days.
Capital Funding Financial has a proven track record of closing complex transactions that banks simply won’t touch. Here are actual examples from our Project Gallery:
Miami Beach Luxury Acquisition: We provided a $3,200,000 2nd mortgage for a high-end developer to secure a luxury single-family residence, allowing the developer to maintain liquidity for other projects.
Brickell Condo Bridge Loan: We funded a $780,000 bridge loan on a luxury condo in the heart of Brickell for a former MLB All-Star, highlighting our ability to work with high-profile clients and unconventional income streams.
Miami Luxury Condo Purchase: We closed a $1,612,500 loan on a $2,150,000 acquisition (75% LTV), enabling the investor to move quickly on a prime unit before it hit the open market.
Miami Beach Celebrity Financing: Former heavyweight champion Lennox Lewis utilized our bridge loan program for two properties in Miami Beach, proving that even high-net-worth individuals value the speed of private capital.
If you are working on a Ground-Up Construction project or a Fix-and-Flip, you need a lender that understands the “After Repair Value” (ARV). We offer:
Up to 80% LTV on purchases.
100% Construction Funding in many cases.
No Tax Returns or Personal Income Verification for DSCR (Debt Service Coverage Ratio) rental loans.
We are a “broker-friendly” lender. When your client is about to lose a deal due to a bank’s last-minute denial, we step in to save the commission and the transaction. We protect broker points and offer a streamlined submission process with same-day pre-approvals.
As a leading hard money lender in Miami, we understand that every neighborhood requires a different investment strategy. Here is how we help you close across Miami-Dade County:
The Strategy: High-end spec homes and luxury rentals.
How We Help: We provide large-balance bridge loans (up to $50M+) to help developers acquire prime lots or finish “mid-swing” construction when they’ve run out of bank draws.
The Strategy: Short-term rentals (Airbnb) and condo-hotels.
How We Help: Our Foreign National Loan Program is perfect for international investors looking to park capital in Miami’s financial district without the hurdle of U.S. credit history.
The Strategy: Mixed-use developments and multi-family value-adds.
How We Help: We offer Commercial Bridge Loans to help investors acquire distressed warehouses or older apartment buildings, fund the renovations, and then “exit” into a long-term traditional loan once the property is stabilized.
The Strategy: Fix-and-flip or long-term workforce housing rentals.
How We Help: Our Fix and Flip Program covers both the purchase and 100% of the rehab costs, allowing you to maximize your ROI by keeping your cash in your pocket.
The Strategy: Industrial and light-manufacturing space.
How We Help: We fund Small Balance Commercial Loans for owner-occupied or investment industrial properties that need quick liquidity to expand operations.
Why do Miami real estate pros keep coming back to CapitalFunding.com? It comes down to our Direct Lender status. We aren’t a middleman; we use our own discretionary capital to make decisions.
Speed: Closings in 7-14 days.
Flexibility: No minimum credit score for certain asset-based programs.
Terms: Interest-only payments to maximize cash flow during the project.
Documentation: No tax returns required for most investment-based loans.
Don’t let a great opportunity slip away because of slow financing. Whether you’re looking for a hard money lender in Miami for a luxury condo, a spec home, or a multi-family renovation, Apply Now at Capital Funding Financial or call (866) 999-2011 to speak with a loan officer today.
Q: What makes Capital Funding the best hard money lender in Miami? A: Capital Funding is a direct private lender backed by a family office. Unlike traditional banks in Miami that can take months, we provide same-day pre-approvals and can close loans in as little as 7–14 days. We specialize in high-leverage, asset-based lending with no minimum credit score and minimum documentation requirements.
Q: What loan programs do you offer for Miami-Dade real estate investors? A: We offer a comprehensive suite of products tailored to the South Florida market, including:
Fix & Flip Loans: For residential renovations.
Ground-Up Construction: For developers in growing areas like Wynwood or Coral Gables.
Rental DSCR Loans: 30-year fixed rates for long-term investors (no tax returns required).
Commercial Bridge Loans: For value-add multi-family and retail properties.
Foreign National Loans: Specifically designed for international investors targeting the Brickell and Downtown Miami condo markets.
Q: How quickly can I close a hard money loan in Miami? A: Time is critical in Miami’s competitive market. While banks take 45–60 days, Capital Funding can often close in less than two weeks. For repeat clients and straightforward bridge loans, we aim for a 7-day turnaround.
Q: Does Capital Funding lend to foreign nationals in Miami? A: Yes. Miami is a global hub for real estate, and we assist many international investors through our Foreign National Loan Program. We do not require a U.S. credit score or tax returns, making it easy to close on luxury condos or investment properties in Miami Beach and Sunny Isles.
Q: Do you work with mortgage brokers and realtors in Miami? A: Absolutely. We are a broker-friendly lender. We protect broker points and provide the speed and reliability brokers need to ensure their clients don’t lose out on a deal. We handle the heavy lifting of underwriting so you can focus on your next transaction.
Q: What cities in Miami-Dade do you provide hard money loans for? A: We provide nationwide funding but have deep local expertise across all Miami-Dade cities, including Miami Beach, Hialeah, Coral Gables, Homestead, Doral, North Miami, and Aventura. Whether it’s a luxury waterfront estate or an urban multi-family project, we are your local lending partner.
