Florida-focused private lending for business-purpose real estate transactions.
Business-purpose lending only | Florida investment property focus
For Borrowers

Borrower-focused private lending for Florida investment property.

SPI Capital is focused on business-purpose loans for Florida real estate investors. Current borrower pricing reflects 12% simple interest, an initial 12-month term, and 3 origination points due at closing, subject to underwriting and closing documents.

Who this is for

Borrowers should be real estate investors executing business-purpose transactions with a defined plan, documentation readiness, and a credible exit.

  • Fix-and-flip operators
  • Acquisition borrowers needing speed and certainty
  • Refinance borrowers repositioning an asset
  • Bridge-to-DSCR borrowers transitioning to permanent debt
Borrower economics

Core borrower pricing framework

  • 12% simple interest
  • Initial 12-month term
  • 3 borrower origination points due at closing
  • Extension fee and rate step-up may apply if the loan is extended
Terms shown are general program parameters and remain subject to collateral review, title, insurance, due diligence, and final loan documents.

Borrower submission expectations

Property and transaction

Address, asset type, acquisition price or payoff amount, target valuation, and timing requirements.

Borrower and guarantor

Entity information, guarantor background, liquidity profile, and execution track record where available.

Exit and scope

Clear exit strategy, sales or refinance plan, and full rehab budget and scope of work when applicable.

What borrowers can expect

Direct review, clear expectations, and a process built around documentation, collateral, and execution.

Underwriting discipline

  • Business-purpose deal screening
  • Title, insurance, and diligence checkpoints
  • 1st-position mortgage and guaranty framework
  • Rehab draw control through reimbursement and inspection

What this platform does not offer

  • No consumer lending positioning
  • No owner-occupied primary residence framing
  • No loose marketing promises disconnected from documentation
  • No blended messaging with investor compensation
Request borrower review