Private & Hard Money Lenders in Indian River County, FL
6 lenders funded 45 short-term investment-property loans in Indian River County in 2024 at a median rate of 11.50%. Ranked by verified loan volume — not paid placement.
Indian River County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 33 | 11.50% | 2 |
| 2 | Loan Funder LLC | 7 | 11.00% | 1 |
| 3 | SouthState Bank, N.A. | 2 | — | 1 |
| 4 | Easy Street Capital LLC | 1 | — | — |
| 5 | First American Bank | 1 | — | — |
| 6 | Luminate Bank | 1 | — | — |
DSCR / long-term rental lenders in Indian River 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
6 lenders reported short-term, business-purpose investment loans in Indian River County in 2024 verified lending records — 45 loans totaling $16.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Indian River County's active lenders was 11.50% in 2024, with per-lender medians ranging from 11.00% to 11.50%. 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.