Small Balance Florida Commercial Hard & Private Money Call or TEXT 813.368.9919

Commercial Loan Criteria

Shop Commercial Mortgage offers commercial hard money loans in as little as two weeks once we obtain your documentation. We use your equity in a free and clear or very low balance mortgaged commercial property. We charge no upfront or site visit fees; the only fee you may need to pay is from your property appraiser.

Here are the specifics for our commercial loan program:

  • Loan Size — $50K to $10 M

  • Down Payment — 50% required for new commercial property purchase

  • Rates — 9-12% for Florida loans

  • Terms — 1/3/5/7 years

  • LTV — 55% for straight commercial loans

  • Brokers — Can make 1-2 points

  • Timing — Commitment in 72 hours, typically financing in another 7 days

What do we need from you for a Florida commercial hard money loan?

  • Completed application

  • Photographs of the property

  • Copy of franchise agreement if applicable

  • Copy of leases or rental agreements for income-producing properties

  • 12 months of bank statements

  • Copy of a purchase contract if a new property

  • Copy of your articles of incorporation if applicable

  • Copy of a survey

  • If cashing out, explain the purpose

  • Property tax information

  • A summary of your credit and any outstanding liens/judgments

  • Building appraisal

  • Private investors must show your license

Shop Commercial Mortgage will work hard to make your commercial loan process as painless and efficient as possible. If you have a critical need for fast financing please let us know and we will expedite our underwriting. For more information on our commercial loans in Florida please call or text 813-368-9919.

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    "I just closed a commercial loan in St. Petersburg. A 16 unit apartment complex for $100,000 at 11.5% interest. It was a free and clear equity driven low documentation refi with no appraisal so it closed fast!"

    Mikle / Broker


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