Draw-based loans for new construction and major development. Compare Construction Loans lenders in Florida and request quotes for your deal.
3 lenders listed for Construction Loans in Florida. Review loan amounts, leverage, rates and terms, open "More details" for the full profile, then request quotes to compare real offers on your deal.
Nationwide lender offering investment, residential and commercial real estate loans.
Offers DSCR, fix and flip and ground-up construction loans.
Offers fix and flip, DSCR and construction loans.
Listings are for information only. Rates, fees, leverage and licensing for Construction Loans in Florida vary by lender and borrower, so confirm current terms directly. We are an independent comparison site, not a lender.
Construction Loans in Florida come in every size, from a single deal in Miami to a portfolio spread across Orlando and Tampa. This page explains how Construction Loans work in Florida, which lenders serve the state, what underwriters look at and how long the process usually takes, so you can compare your options before you commit.
| Loan size | |
|---|---|
| Leverage | Up to 90% LTC leverage |
| Project types | Residential, multifamily & mixed-use projects |
| Borrowers | Ground up, spec homes & build-to-rent for builders and developers |
| Draws and exit | |
| Closing timeline | Close in as few as 14 days |
Typical terms shown for illustration. Actual rates, leverage and timelines depend on the borrower, the property and underwriting.
A construction loan funds a ground-up build in stages, releasing money through inspected draws as each phase of the project is finished. In Florida, lenders apply that structure to local conditions. Purchase prices, rents, insurance costs and property taxes in Miami look very different from those in Jacksonville or Fort Lauderdale, so each loan is typically sized around the individual property instead of a statewide average.
Florida offers year-round population growth, vacation rentals and a very active investor community. For borrowers, that means Construction Loans opportunities that run from Miami to West Palm Beach, each with its own price points and tenant profile. Working with a lender that understands those differences helps you set realistic budgets, avoid surprises at appraisal and choose a loan term that fits your plan.
For Construction Loans in Florida, underwriting centers on the plans and budget, the builder's experience, the land value, the projected completed value and your equity. Because Florida rules on taxes, insurance, landlord-tenant law and foreclosure timelines differ from neighboring states, lenders also weigh how those factors affect the property's expected performance.
Typical uses include ground-up spec homes, infill lots and small multi-unit new builds. Investors active in St. Petersburg and Cape Coral often pair Construction Loans with local property managers or contractors, while borrowers in smaller markets such as Sarasota may be looking for a lender willing to evaluate deals that large national banks overlook.
Expect a review of plans, budget and permits up front, followed by draws released as inspections confirm progress. Most Florida borrowers follow the same four steps: submit the scenario, review indicative terms, order the appraisal and title work, and close with a licensed settlement agent.
Rates, fees and licensing requirements for Construction Loans in Florida depend on the loan and the borrower, so always confirm current terms with a lender licensed in Florida. Use the form at the top of this page to share your deal and request quotes.
A construction loan funds a ground-up build in stages, releasing money through inspected draws as each phase of the project is finished. In Florida, lenders apply this structure to local prices, rents and property types.
Many Construction Loans in Florida can close in as few as 14 days, depending on the property, the appraisal and title work. Expect a review of plans, budget and permits up front, followed by draws released as inspections confirm progress.
Underwriting centers on the plans and budget, the builder's experience, the land value, the projected completed value and your equity. Lenders in Florida also weigh property taxes, insurance costs and local market conditions.
Borrowers request Construction Loans across Florida, including Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, St. Petersburg, Cape Coral, Fort Myers. Availability and terms vary by lender and property.
Compare the rate, points and fees, maximum leverage, term options, prepayment terms and closing speed for the same deal, and confirm the lender is licensed to lend in Florida.
Each Florida market has its own prices, rents and property mix, so Construction Loans terms in Florida can differ from one city to the next.
Exploring Construction Loans in Miami, Florida? Lenders here typically focus on budget and draw-schedule underwriting, so you can build from the ground up with staged draw funding with clear terms up front. Tell us about your Miami deal to compare options.
Whether it is your first or fifteenth Orlando property, Construction Loans can help you build from the ground up with staged draw funding. Compare terms before you commit. Send your scenario to request quotes.
Exploring Construction Loans in Tampa, Florida? Lenders here typically focus on budget and draw-schedule underwriting, so you can build from the ground up with staged draw funding with clear terms up front. Tell us about your Tampa deal to compare options.
Construction Loans for Jacksonville, Florida: expect budget and draw-schedule underwriting, and compare how lenders structure a loan to help you build from the ground up with staged draw funding. Tell us about your Jacksonville deal to compare options.
Lenders active in Fort Lauderdale and nearby areas evaluate Construction Loans using budget and draw-schedule underwriting. Compare leverage, term options and timelines for Fort Lauderdale.
Whether it is your first or fifteenth St. Petersburg property, Construction Loans can help you build from the ground up with staged draw funding. Compare terms before you commit. Send your scenario to request quotes.
Cape Coral investors use Construction Loans to build from the ground up with staged draw funding. Lenders price each Cape Coral property on its own numbers, so compare more than one offer. Send your scenario to request quotes.
Fort Myers investors use Construction Loans to build from the ground up with staged draw funding. Lenders price each Fort Myers property on its own numbers, so compare more than one offer. Local comps, rents and condition all shape the final offer.
Whether it is your first or fifteenth Naples property, Construction Loans can help you build from the ground up with staged draw funding. Compare terms before you commit. Compare leverage, term options and timelines for Naples.
Construction Loans for Sarasota, Florida: expect budget and draw-schedule underwriting, and compare how lenders structure a loan to help you build from the ground up with staged draw funding. Send your scenario to request quotes.
From neighborhood comps to local rents, Tallahassee deals are priced one at a time. Compare Construction Loans offers built to help you build from the ground up with staged draw funding. Local comps, rents and condition all shape the final offer.
Whether it is your first or fifteenth West Palm Beach property, Construction Loans can help you build from the ground up with staged draw funding. Compare terms before you commit. Tell us about your West Palm Beach deal to compare options.
See all real estate loans in Florida
Share the details of your Florida deal and request quotes from lenders.