Private & Hard Money Lenders in Florida
143 lenders funded 5,612 short-term investment-property loans ($4.4B) across Florida in 2024, at a median note rate of 10.50%. Ranked by verified loan volume — not paid placement.
2024 verified lending records·Pulled 2026-09-01
Top 10 hard money lenders in Florida by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 2,311 | 11.24% |
| 2 | Loan Funder LLC | 613 | 11.00% |
| 3 | Easy Street Capital LLC | 370 | 10.90% |
| 4 | LIMA ONE CAPITAL, LLC | 303 | 10.45% |
| 5 | RF Renovo Management Company, LLC | 283 | 10.25% |
| 6 | 212 Loans, LLC | 238 | 11.99% |
| 7 | ABL RPC Residential Credit Acquisition LLC | 137 | 13.75% |
| 8 | LendingOne LLC | 114 | 10.49% |
| 9 | Temple View Capital Funding LP | 105 | 11.00% |
| 10 | Dominion Financial Services, LLC | 103 | 11.00% |
Florida hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Pinellas County
37 lenders · 539 loans
Lee County
29 lenders · 473 loans
Duval County
28 lenders · 422 loans
Miami-Dade County
37 lenders · 389 loans
Hillsborough County
36 lenders · 387 loans
Broward County
32 lenders · 324 loans
Orange County
24 lenders · 276 loans
Palm Beach County
37 lenders · 263 loans
Brevard County
19 lenders · 235 loans
Sarasota County
21 lenders · 167 loans
Polk County
22 lenders · 165 loans
Volusia County
20 lenders · 159 loans
Pasco County
21 lenders · 154 loans
Escambia County
19 lenders · 131 loans
Charlotte County
19 lenders · 130 loans
Marion County
17 lenders · 130 loans
Okaloosa County
19 lenders · 104 loans
St. Lucie County
13 lenders · 101 loans
Seminole County
14 lenders · 98 loans
Walton County
34 lenders · 88 loans
Bay County
23 lenders · 69 loans
Collier County
32 lenders · 67 loans
Manatee County
17 lenders · 67 loans
Lake County
16 lenders · 64 loans
Flagler County
8 lenders · 62 loans
Leon County
13 lenders · 61 loans
Hernando County
13 lenders · 57 loans
Osceola County
14 lenders · 53 loans
Indian River County
6 lenders · 45 loans
Santa Rosa County
15 lenders · 40 loans
St. Johns County
15 lenders · 40 loans
Citrus County
10 lenders · 39 loans
Alachua County
12 lenders · 36 loans
Clay County
6 lenders · 33 loans
Martin County
9 lenders · 17 loans
Wakulla County
3 lenders · 17 loans
Monroe County
7 lenders · 12 loans
Highlands County
5 lenders · 11 loans
Nassau County
5 lenders · 9 loans
Franklin County
5 lenders · 7 loans
Gulf County
4 lenders · 6 loans
Okeechobee County
5 lenders · 6 loans
Putnam County
3 lenders · 6 loans
Sumter County
4 lenders · 6 loans
Columbia County
4 lenders · 5 loans
Bradford County
3 lenders · 4 loans
Limited 2024 activity (1–2 reporting lenders): Hendry County, Hardee County, Jackson County, Gadsden County, Glades County, Dixie County, Levy County, Baker County, Calhoun County, DeSoto County, Holmes County, Jefferson County, Liberty County, Taylor County, Union County, Washington County. These counties are typically served by the statewide lenders above.