Private & Hard Money Lenders in Collier County, FL
32 lenders funded 67 short-term investment-property loans in Collier County in 2024 at a median rate of 11.74%. Ranked by verified loan volume — not paid placement.
Collier County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 15 | 11.74% | 4 |
| 2 | Loan Funder LLC | 5 | 11.75% | 2 |
| 3 | Churchill Funding I LLC | 5 | 12.00% | — |
| 4 | LIMA ONE CAPITAL, LLC | 4 | 10.70% | 1 |
| 5 | Temple View Capital Funding LP | 4 | 11.00% | 1 |
| 6 | UNITED COMMUNITY BANK | 4 | 7.00% | 1 |
| 7 | ABL RPC Residential Credit Acquisition LLC | 3 | 13.88% | 1 |
| 8 | Lake Michigan Credit Union | 2 | — | 4 |
| 9 | Carrollton Bank | 2 | — | — |
| 10 | SANIBEL CAPTIVA COMMUNITY BANK | 1 | — | 5 |
| 11 | Leader Bank NA | 1 | — | 3 |
| 12 | RF Renovo Management Company, LLC | 1 | — | 2 |
| 13 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 2 |
| 14 | BUSEY BANK | 1 | — | 1 |
| 15 | LendingOne LLC | 1 | — | 1 |
| 16 | Meridian Bank | 1 | — | 1 |
| 17 | MIDFLORIDA CREDIT UNION | 1 | — | 1 |
| 18 | Nicolet National Bank | 1 | — | 1 |
| 19 | Bank of Springfield | 1 | — | — |
| 20 | BANK OZK | 1 | — | — |
| 21 | CCG Fund 1 LLC | 1 | — | — |
| 22 | CENTIER BANK | 1 | — | — |
| 23 | Dominion Financial Services, LLC | 1 | — | — |
| 24 | Equity Wave Lending, Inc. | 1 | — | — |
| 25 | HANCOCK WHITNEY BANK | 1 | — | — |
| 26 | Hometown Funding, INC. D/B/A CNB Mortgage Company | 1 | — | — |
| 27 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 28 | MIDWESTONE BANK | 1 | — | — |
| 29 | Pinnacle Bank | 1 | — | — |
| 30 | RENASANT BANK | 1 | — | — |
| 31 | SouthState Bank, N.A. | 1 | — | — |
| 32 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
DSCR / long-term rental lenders in Collier 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
32 lenders reported short-term, business-purpose investment loans in Collier County in 2024 verified lending records — 67 loans totaling $87.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Collier County's active lenders was 11.74% in 2024, with per-lender medians ranging from 7.00% to 13.88%. 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.