Private & Hard Money Lenders in Manatee County, FL
17 lenders funded 67 short-term investment-property loans in Manatee County in 2024 at a median rate of 10.99%. Ranked by verified loan volume — not paid placement.
Manatee County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 32 | 11.24% | 3 |
| 2 | Loan Funder LLC | 8 | 10.99% | 2 |
| 3 | Easy Street Capital LLC | 6 | 10.90% | — |
| 4 | RF Renovo Management Company, LLC | 5 | 10.25% | 7 |
| 5 | Temple View Capital Funding LP | 3 | 12.00% | 3 |
| 6 | RPE Home, Inc | 2 | — | — |
| 7 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 3 |
| 8 | Arbor Realty Trust, Inc. | 1 | — | 2 |
| 9 | BANK OZK | 1 | — | 2 |
| 10 | 212 Loans, LLC | 1 | — | — |
| 11 | CBI Bank & Trust | 1 | — | — |
| 12 | Dominion Financial Services, LLC | 1 | — | — |
| 13 | Genesis Capital, LLC | 1 | — | — |
| 14 | Guaranty Bank | 1 | — | — |
| 15 | HANCOCK WHITNEY BANK | 1 | — | — |
| 16 | Hometown Funding, INC. D/B/A CNB Mortgage Company | 1 | — | — |
| 17 | SYNOVUS BANK | 1 | — | — |
DSCR / long-term rental lenders in Manatee 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
17 lenders reported short-term, business-purpose investment loans in Manatee County in 2024 verified lending records — 67 loans totaling $93.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Manatee County's active lenders was 10.99% in 2024, with per-lender medians ranging from 10.25% to 12.00%. 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.