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

Loan programs aligned with investment-property execution.

SPI Capital focuses on a disciplined set of core borrower programs built around real-world investor needs and clear underwriting parameters.

Fix-and-Flip Loans

For investors acquiring, improving, and exiting residential investment assets under a defined project plan.

  • Purchase and rehab structure
  • Controlled draw administration
  • Defined scope, budget, and exit expectations

What matters most

Execution capability, realistic rehab numbers, timeline credibility, and a clean resale or refinance plan.

Bridge / Acquisition Loans

Best suited for borrowers needing speed, certainty, or flexibility outside conventional bank timing and underwriting constraints.

  • Time-sensitive purchase scenarios
  • Bridge capital pending stabilization or sale
  • Execution where documentation and collateral still drive the decision

Bridge capital for time-sensitive situations

Designed for borrowers who need a lender that understands timing, documentation, and collateral-driven decision making.

Refinance / Bridge-to-DSCR

Designed for transitional situations where the property or borrower is moving toward permanent rental financing after stabilization or seasoning.

Good fit examples

  • Seasoning a recent acquisition before DSCR takeout
  • Completing light improvement or lease-up before refinancing
  • Replacing existing short-term debt pending a cleaner exit
Program availability, structure, and approval remain subject to underwriting, collateral review, title, insurance, and final closing conditions.