The South Florida real estate market remains one of the most dynamic and competitive landscapes in the world. From the luxury waterfronts of Palm Beach and Miami-Dade to the booming residential pockets of Broward and Collier counties, the ability to move quickly is often the difference between a closed deal and a missed opportunity.
As traditional banks tighten their lending requirements and increase processing times, savvy investors and developers are turning to Capital Funding. As leading South Florida hard money lenders, we provide the speed, flexibility, and certainty of execution required to navigate today’s market.
In 2025/2026, the South Florida market is experiencing a “balanced shift.” While inventory has risen—active listings in Miami-Dade are up ~6.2% and Palm Beach single-family sales are climbing—the time to contract has lengthened to an average of 77 to 98 days across the region.
For investors, this creates two unique scenarios where hard money is essential:
The Opportunistic Buy: With 78% of homes in Miami-Dade selling below asking price, investors need quick liquidity to snap up undervalued assets before they are bid up by cash buyers.
The Bridge Requirement: As “time on market” increases, developers and investors often need bridge loans to pay off maturing debt or recapitalize while waiting for a property to sell.
Palm Beach continues to attract high-net-worth migration, driving a demand for luxury single-family homes. However, traditional construction financing for spec homes is notoriously slow.
Market Data: Median single-family home prices in Palm Beach sit around $625,000, with luxury sectors seeing much higher figures.
Capital Funding Case Study: We recently funded a $23,600,000 mid-swing construction loan in Palm Beach to pay off existing debt and provide the reserve needed to complete a project valued at over $30 Million. We also closed a **$4,400,000 construction loan** in the prestigious Royal Palm Yacht & Country Club in Boca Raton.
In areas like Fort Lauderdale and Pompano Beach, investors are increasingly looking to restructure debt to maintain cash flow as interest rates fluctuate.
Market Data: Broward single-family prices surged nearly 8.8% YoY to a median of $620,000.
Capital Funding Case Study: A local developer in Fort Lauderdale secured a $10,000,000 bridge loan through us to restructure debt on a waterfront property. In Pompano Beach, we closed a $1,275,000 refinance on a luxury canal-front home, providing the owner with the liquidity needed to pivot their investment strategy.
Miami remains a global hub, but the condo market is facing new safety and reserve laws, making bank financing difficult for older units.
Market Data: Miami-Dade remains a high-cash market, with median prices for prime property holding strong at $649,000.
Capital Funding Case Study: We provided $1,200,000 in bridge loans for the former heavyweight champion Lennox Lewis in Miami Beach. We also closed a $1.61M acquisition loan for a luxury condo in Miami in under two weeks—a timeline no traditional bank could match.
Naples has some of the highest rental and property values in the state, with median rents reaching $5,500/mo.
Capital Funding Case Study: We arranged a $9,750,000 construction completion loan for a luxury home in Naples valued at $15.5 Million and a **$4,500,000 construction loan** for an investor on Marco Island for a project with an $8 Million exit value.
Whether you are pursuing a Fix and Flip in West Palm Beach or acquiring a Rental DSCR property in Hollywood, we focus on the asset’s value rather than your personal credit. Our bridge loans can close in as little as 7 to 10 days, allowing you to make “as-is” cash-equivalent offers.
Ground-up construction is our specialty. We provide Construction Loans for luxury spec homes, multi-family projects, and mid-swing completions. By funding the entire construction budget, we allow developers to preserve their capital for the next project.
We act as your “closer.” When a traditional deal falls through because of a low appraisal or strict underwriting, our team can step in to save the commission. We offer Broker-friendly programs that ensure your clients stay happy and your deals stay on track.
Asset-Based Underwriting: We look at the equity and the deal, not just the tax returns.
Closing Speed: 7–14 day closings are standard, not the exception.
Local Expertise: Headquartered in Boca Raton, we understand the nuances of South Florida neighborhoods from Brickell to Jupiter.
No “Junk” Fees: Transparent terms with interest-only payment options to maximize your cash flow during the project.
Don’t let a slow bank kill your next investment. Join the hundreds of developers and investors who have successfully funded over $1 Billion in real estate projects.
Apply for a Loan Today or call us at (866) 999-2011 to discuss your South Florida transaction.
