Columbia County Private Real Estate Financing

Borrowers We Fund

• Investors buying to hold

  Rental and small multifamily acquisitions where the timeline is short or the property needs attention before it stabilizes.

• Investors buying to sell

  Purchase and renovation financing on a property that will be improved and moved on.

• Owners of small businesses and contractors

  Borrowers whose income is real but whose paperwork does not look the way a bank wants it to look.

• Owners with equity and a deadline

  Property already owned, where the fastest route to capital is the equity already sitting in it.

Asset-Based, Start to Finish

Columbia County is an inland county in North Central Florida, and its county seat is Lake City. Wherever the property sits inside the county, the review is the same. We look at the asset, the equity, and the exit.

No tax returns are required. Income documentation and credit history are not what the decision rests on, which is what makes this financing available to borrowers a conventional lender turns away.

It also means the answer comes fast. A rate the same day, and a closing in days rather than weeks.

A Note on Fit

Hard money is not the cheapest financing available and it is not meant to be permanent. It buys speed and flexibility on a short horizon.

The right use is a deal with a deadline or a property that has to be improved before a conventional lender will look at it. The wrong use is a long hold with no plan to refinance.

We have been lending against Florida real estate since 1988, so if a deal does not fit, we will say so.