Tampa Hard Money Lender

Hard money loans in Tampa

Fix and flip, new construction and bridge loans from a direct lender headquartered in downtown Tampa. Up to 85% of your project cost, 100% of the rehab funded through draws, and a term sheet in 24 hours with no credit pull.

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Term sheet in 24 hours. No obligation.

No credit pull required. Your information is secure.

$100K-$2M

Loan size

Up to 85%

Loan-to-cost

100%

Rehab funded

Up to 70%

Of ARV

From 10%

Rate

12 mo

Term

Why Requity

A Florida lender for Tampa investors

Our office is downtown

Requity is at 401 E Jackson St in downtown Tampa. The people who review your deal know the difference between a Seminole Heights bungalow and a Riverview tract home, and you can reach them directly at 813.338.1000.

A direct lender, not a broker

We underwrite your deal and make the credit decision ourselves. No loan shopping, no surprise lender change before closing.

Built for competitive buys

Bank-owned listings, auctions and storm-damaged houses go to the buyer who can close. We issue term sheets in 24 hours and close in as fast as 72 hours from a signed term sheet.

What We Fund

Hard money loans we make in Tampa Bay

Short-term, asset-based loans for investors buying with an LLC or corporation. We do not make consumer or owner-occupied loans.

Fix and flip loans

Up to 85% of your total project cost and 100% of the rehab through draws, 12-month terms, no exit fee.

New construction loans

Land and vertical construction in one loan, from spec homes to small multifamily, with draws released as milestones are finished.

DSCR rental loans

30 and 40-year rental loans qualified on the property's rent, not your income, for investors who want to hold or refinance out of a flip.

Transactional funding

A-B purchase capital for wholesalers doing double closings, so you can close and resell on the same day.

Two Programs

Tampa fix and flip loan terms

The same two programs we offer nationally. Experienced flippers get our best pricing; newer investors get the same 100% rehab funding with no minimum credit score.

Premier Balance Sheet

Who it is for 3+ flips in the last 24 months and 650+ credit First-time and newer flippers, no minimum credit score

Rate 10% fixed, interest-only From 12% fixed, interest-only

Origination 2 points ($4,000 minimum) 2 points ($4,000 minimum)

Purchase price Up to 90% Up to 85%

Total project cost Up to 85% Up to 85%

After-repair value Up to 70% Up to 70%

Rehab budget 100%, through draws 100%, through draws

Term 12 months, no exit fee 12 months, no exit fee

Your loan is the lowest of the purchase, cost and ARV limits. Loans carry a 4-month minimum of interest. All loans are subject to underwriting approval. Rates, terms, and fees vary based on property type, loan-to-value ratio, borrower experience, and market conditions. Requity Lending is a commercial bridge lender; we do not offer consumer residential mortgages. Contact us for a customized quote.

Local Knowledge

Flipping in Tampa Bay: what to plan for

Tampa Bay flips run into a few local rules that change budgets and timelines. These are the ones we check on every deal.

Storm-damaged houses and the 50% rule

After Hurricanes Helene and Milton in 2024, Hillsborough and Pinellas counties sent substantial damage letters to owners in FEMA flood zones. If repair costs reach 50% of the building's market value, the whole house has to meet current flood rules, which can mean elevating or rebuilding it. Before you buy a storm-damaged house, ask whether it has a substantial damage determination and check the county's records.

City of Tampa or the county?

Brandon, Riverview, Town 'n' Country and other unincorporated areas are permitted by Hillsborough County, not the City of Tampa. St. Petersburg, Clearwater and Largo each have their own building departments, and Pasco has its own. Confirm the jurisdiction before you price permits and inspection timelines.

Historic districts

Hyde Park, Seminole Heights and Tampa Heights are local historic districts. Exterior work such as windows, roofing, porches and additions needs a Certificate of Appropriateness from the city's Architectural Review Commission, and Ybor City has its own review board. Build the review time into your schedule.

Insurance and roofs

Coastal wind and flood exposure drive insurance cost across Pinellas and South Tampa. Your buyer's insurer will often want a 4-point inspection and a wind mitigation report, and roof age is usually the deciding factor. A new roof can be what makes the finished house sellable.

How It Works

From offer to sale in four steps

Send the deal

Share the address, purchase price, scope of work and your ARV estimate. You get a term sheet within 24 hours, with no credit pull.

Valuation and title

We order the valuation and work with your Florida title company or closing attorney. Bring your LLC documents and a line-item rehab budget.

Close in as fast as 72 hours

Most residential bridge deals close within 72 hours to 14 business days from a signed term sheet, depending on title and the valuation.

Renovate, draw, sell

Request draws as phases are finished. When the house sells, the loan is paid off at closing. No exit fee.

Have a deal? Get terms in 24 hours.

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FAQ

Tampa hard money loan FAQ

Don't see your question? Call 813.338.1000 or email contact@requitygroup.com.

Ask about your deal →

Are you a hard money lender in Tampa?

Yes. Requity Lending is a direct private lender headquartered in downtown Tampa. We make short-term, asset-based loans to investors for fix and flip, new construction, transactional and bridge deals, and we make long-term DSCR rental loans when you are ready to hold.

Which areas around Tampa do you lend in?

All of Tampa Bay, including Tampa, St. Petersburg, Clearwater, Largo, Brandon, Riverview, Wesley Chapel, Land O' Lakes, Plant City, Lakeland, Bradenton and Sarasota, and the rest of Florida.

What does a hard money loan cost in Tampa?

Fix and flip rates are 10% fixed and interest-only on our Premier program and from 12% on Balance Sheet, with 2 origination points ($4,000 minimum) and no exit fee. Florida adds documentary stamp tax on the note ($0.35 per $100 of the loan) and intangible tax (0.2% of the loan) at closing.

Do you finance storm-damaged houses?

Yes, when the numbers work after a full scope of work. In a flood zone we check whether the property has a substantial damage determination and whether your renovation would trigger the 50% rule, because that can turn a rehab into an elevation or a rebuild.

Can I get a loan as a first-time flipper in Tampa?

Yes. Our Balance Sheet program is open to first-time flippers and has no minimum credit score. Investors with 3 or more flips in the last 24 months and a 650+ credit score qualify for Premier pricing.

How fast can you close in Tampa?

As fast as 72 hours from a signed term sheet. Most residential deals close within 72 hours to 14 business days, depending on title work and the valuation.