Hard Money Lender

West Forest Capital is a Florida hard money lender, financing real estate investments up to $2 million. We have gained a reputation as the fastest hard money lender in Florida because we know how critical each day is in Florida’s competitive real estate market.

  • We are a direct lender, not a broker
  • Same day pre-approval
  • Funding in 3-5 days, although 1 day is possible
  • Loan amounts up to $2 million

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Property Types

Lending Parameters

Loan Size$100,000 to $3,000,000
LTC70–90% of the Purchase Price
Rehab FundingUp to 100% of the cost
LTVUp to 75% of the ARV
Term12–36 months
LienFirst Lien; Second Lien as additional collateral only
Interest Rate9%–12%
Points1–3% of the loan amount

Recently Funded Hard Money Loans

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Jersey City, NJ

Case study: Newark property rehab
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Newark, NJ

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Elizabeth, NJ

Why Use a Hard Money Loan

  1. If you need funding fast. While a typical bank may take months to review your loan application, West Forest Capital offers same day hard money loan approval, and funding within 3-5 days.  In an emergency situation, we can even fund in 1 day!
  2. If the property isn’t stabilized. Sometimes, it’s not a question of time, but it’s the actual property that a traditional bank won’t finance.  Examples include a property that requires rehab, missing a Certificate of Occupancy (CO), or does not have a strong rental history.  Hard money lenders such as West Forest Capital will be able to fund the property when a bank can’t.
  3. If you have poor credit.  West Forest capital understands that events that negatively influence one’s credit score can happen from time to time.  Therefore, we mostly consider the value of the property, rather than FICO score or debt-to-income ratios when considering funding a loan.
  4. If you don’t want to take a loan in your personal name.  A traditional bank is likely to require that a property is owned directly by an individual they are making the loan to.  If you would like to own the property in an LLC, or if you own too many properties for a bank to finance you personally, a hard money loan is a great option.

Why Choose A Florida Hard Money Lender

Who doesn’t love the weather down here, especially in the winter? So, our underwriting team didn’t complain when we sent them to diligence the Southeast Florida hard money loan market.  We invested in this effort because we wanted to offer you the best hard money loan rates available in Miami, Fort Lauderdale, West Palm Beach, and in between.  The area is growing rapidly, and we want to make sure your real estate investments are funded fast!  If you’re looking for a hard money loan in Doral, Hollywood, Boca Raton, Del Ray beach – or anywhere in the vicinity – reach out to us. We are here to help.

Financing your Florida Investment Property

Florida is one the fastest growing states by population in the country. Due to the size of the state, there is a large variability between urban and rural areas. The southeast area of the state has historically been the most cosmopolitan, attracting a broad, internationally-linked economy in addition to the strong tourism industry in place.

Favorable demographic momentum, and an expanding business environment create opportunities for fix and flip projects as well as ground-up construction.

Asset-backed Lender Focused on Customized Solutions

With our knowledge of the Florida fix and flip market, West Forest Capital is able to structure creative transactions that fit your hard money financing needs.  We fund loans based on the value of the asset so in some cases we were even able to finance more than 100% of the purchase price and rehab amount. 

West Forest Capital also offers the longest hard money loan available on the market (3 years), ideal for buy and hold investors.

Give us a call or apply for a loan today!

We Value our Broker Relationships

West Forest Capital is the fastest Hard Money Lender in Florida

Florida Hard Money Lender

We can fund hard money loans in 3–5 days

If you are looking for a Florida hard money lender, give us a call

Submit a loan request

A Florida direct lender you can rely on