Private & Hard Money Lenders in Polk County, FL
22 lenders funded 165 short-term investment-property loans in Polk County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
Polk County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 72 | 10.95% | 23 |
| 2 | Easy Street Capital LLC | 18 | 10.90% | — |
| 3 | 212 Loans, LLC | 10 | 11.99% | — |
| 4 | Loan Funder LLC | 9 | 10.99% | 8 |
| 5 | SouthState Bank, N.A. | 6 | 9.50% | 9 |
| 6 | RF Renovo Management Company, LLC | 6 | 11.25% | 4 |
| 7 | VELOCITY COMMERCIAL CAPITAL LLC | 5 | 12.74% | 21 |
| 8 | LIMA ONE CAPITAL, LLC | 5 | 10.45% | 5 |
| 9 | LendingOne LLC | 5 | 11.49% | — |
| 10 | Sundae Funding | 5 | 11.00% | — |
| 11 | Dominion Financial Services, LLC | 4 | 12.00% | 6 |
| 12 | ABL RPC Residential Credit Acquisition LLC | 4 | 14.13% | 3 |
| 13 | Genesis Capital, LLC | 4 | 9.50% | — |
| 14 | American Heritage Lending, LLC | 2 | — | 18 |
| 15 | Equity Wave Lending, Inc. | 2 | — | — |
| 16 | RPE Home, Inc | 2 | — | — |
| 17 | MIDFLORIDA CREDIT UNION | 1 | — | 15 |
| 18 | Temple View Capital Funding LP | 1 | — | 8 |
| 19 | TRUIST BANK | 1 | — | 4 |
| 20 | Armed Forces Bank, N.A. | 1 | — | — |
| 21 | Conventus Lending LLC | 1 | — | — |
| 22 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
DSCR / long-term rental lenders in Polk 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
22 lenders reported short-term, business-purpose investment loans in Polk County in 2024 verified lending records — 165 loans totaling $73.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Polk County's active lenders was 11.00% in 2024, with per-lender medians ranging from 9.50% to 14.13%. 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.