SPI Capital, operated by SPI Corp, provides business-purpose acquisition, bridge, refinance, and rehab financing for Florida real estate investors.
SPI Capital serves borrowers seeking execution-focused financing and capital partners seeking disciplined Florida private-credit exposure.
SPI Capital is built for operators who need a lender that understands business-purpose transactions, documentation, and execution discipline.
The investor side is positioned as a controlled inquiry path focused on senior security, collateral discipline, and a 75/25 participation framework that is separate from borrower points.
Serious borrowers care about clarity, responsiveness, and a lender that understands documentation, collateral, and timing.
Structured for investors acquiring and improving residential investment property with draw administration tied to documented rehab progress.
See program detailsShort-duration capital for purchase closings, timing gaps, and opportunistic transactions where conventional execution is too slow or misaligned.
See program detailsTransitional financing for borrowers repositioning an asset before moving into longer-term takeout debt.
See program detailsTrust is built through disciplined underwriting, clean loan structure, and a direct, no-nonsense process.
SPI Capital focuses on investment-property loans rather than consumer or owner-occupied residential lending.
Current borrower pricing includes 3 origination points due at closing.
1st-position security, title review, and conservative leverage are central to the lending approach.
Draws are reimbursement-based and tied to progress, documentation, and inspection where applicable.
A disciplined process helps attract serious borrowers, reduce friction, and improve execution quality from first contact through closing.
Use the contact page to route your inquiry correctly. Borrower deal reviews and investor conversations follow separate paths.
