Private & Hard Money Lenders in Citrus County, FL
10 lenders funded 39 short-term investment-property loans in Citrus County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Citrus County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | LIMA ONE CAPITAL, LLC | 9 | 10.45% | 4 |
| 2 | Loan Funder LLC | 6 | 10.25% | 3 |
| 3 | KIAVI FUNDING, INC. | 6 | 11.74% | 2 |
| 4 | ABL RPC Residential Credit Acquisition LLC | 5 | 13.13% | 4 |
| 5 | American Heritage Lending, LLC | 3 | 11.75% | 14 |
| 6 | Easy Street Capital LLC | 3 | 10.90% | — |
| 7 | RPE Home, Inc | 3 | 10.00% | — |
| 8 | CAPITAL CITY BANK | 2 | — | 5 |
| 9 | RF Renovo Management Company, LLC | 1 | — | 1 |
| 10 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Citrus County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
10 lenders reported short-term, business-purpose investment loans in Citrus County in 2024 verified lending records — 39 loans totaling $7.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Citrus County's active lenders was 10.90% in 2024, with per-lender medians ranging from 10.00% to 13.13%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.