Private & Hard Money Lenders in Sarasota County, FL
21 lenders funded 167 short-term investment-property loans in Sarasota County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
Sarasota County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 76 | 11.50% | 6 |
| 2 | Loan Funder LLC | 26 | 10.75% | 2 |
| 3 | LIMA ONE CAPITAL, LLC | 21 | 10.95% | 4 |
| 4 | Easy Street Capital LLC | 11 | 10.90% | — |
| 5 | Temple View Capital Funding LP | 11 | 11.00% | — |
| 6 | ABL RPC Residential Credit Acquisition LLC | 4 | 13.38% | — |
| 7 | Dominion Financial Services, LLC | 2 | — | 18 |
| 8 | American Heritage Lending, LLC | 2 | — | 15 |
| 9 | LendingOne LLC | 2 | — | 3 |
| 10 | SouthState Bank, N.A. | 1 | — | 5 |
| 11 | RF Renovo Management Company, LLC | 1 | — | 2 |
| 12 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 2 |
| 13 | DFCU FINANCIAL | 1 | — | 1 |
| 14 | Armed Forces Bank, N.A. | 1 | — | — |
| 15 | Bayport Funding LLC | 1 | — | — |
| 16 | FAIRWINDS CREDIT UNION | 1 | — | — |
| 17 | Genesis Capital, LLC | 1 | — | — |
| 18 | SEACOAST NATIONAL BANK | 1 | — | — |
| 19 | SERVISFIRST BANK | 1 | — | — |
| 20 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
| 21 | VALLEY NATIONAL BANK | 1 | — | — |
DSCR / long-term rental lenders in Sarasota 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
21 lenders reported short-term, business-purpose investment loans in Sarasota County in 2024 verified lending records — 167 loans totaling $81.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Sarasota County's active lenders was 11.00% in 2024, with per-lender medians ranging from 10.75% to 13.38%. 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.