Loan Program
Commercial Bridge Loan programs available through our lending partners for commercial bridge loanopportunities. Participating lenders structure terms for speed, clarity, and execution.
Commercial bridge loans in Miami-Dade County serve a different investor profile than what most national lenders picture when they think "South Florida commercial real estate." Yes, Brickell trades. But the volume — and the opportunity — is in Allapattah warehouse-to-creative conversions, Hialeah light-industrial acquisitions, Wynwood adaptive-reuse projects, and Little River transitional commercial on corridors that didn't exist as investment submarkets five years ago.
Hard Money Loans of Miami provides commercial bridge financing for exactly these deals. We fund acquisition and repositioning of retail, office, mixed-use, and industrial commercial properties across Miami-Dade, with underwriting that evaluates the asset and the business plan — not bank-qualified income history or the corporate entity's domestic credit file.
The commercial investors in our pipeline are general contractors in Hialeah turning old warehouses into live-work units, Venezuelan entrepreneurs in Doral acquiring retail strip centers, and Argentine capital groups using Florida LLCs to assemble Allapattah warehouse blocks. Our commercial bridge loans accommodate entity structures, foreign-national borrowers, and deals with renovation scopes that stabilized-property lenders won't touch.
Wynwood and Allapattah warehouse-to-creative conversion is the highest-visibility commercial bridge use case in Miami right now. Existing warehouse buildings along NW 2nd Avenue, the Miami River industrial corridor, and Little River are being converted to creative office, artist studios, food hall concepts, and mixed-use live-work spaces. These conversions require bridge financing because they don't produce stabilized income until after a 12-24 month repositioning. We fund acquisition and the conversion construction under a single bridge structure.
Hialeah industrial and light-manufacturing acquisitions make up another core segment of our commercial bridge activity. Hialeah's industrial base — warehouse parks off Okeechobee Road, manufacturing facilities in Medley, logistics buildings near the Airport West corridor — attracts investors who understand that logistics demand in South Florida is not going to decrease. These properties often trade off-market and close in 10-14 days. We're built for that timeline.
Retail strip center acquisitions in Doral and Kendall represent the suburban commercial bridge market. A Venezuelan or Colombian investor running a successful business in Doral often wants to own the building rather than rent it — or wants to acquire an adjacent strip center as a portfolio play. These borrowers have real assets and real business track records but typically cannot meet a community bank's domestic income documentation requirement. We bridge these acquisitions.
1031 exchange bridge financing appears frequently in our commercial pipeline as well. When a Miami investor sells an investment property and identifies a replacement commercial asset, the exchange timeline may not align with the replacement property's closing schedule. We provide bridge financing to meet the 45-day identification and 180-day closing requirements, with the commercial property as collateral.
Commercial bridge lending in Miami-Dade requires understanding a few local factors that national lenders consistently miss. Hurricane-rated construction costs are higher in Miami-Dade than in inland Florida markets — roof replacement, wind load compliance, and impact-window requirements all affect renovation budgets for commercial properties. We build these costs into the construction holdback from the start.
Environmental assessments in Hialeah and the older industrial corridors of northwest Miami-Dade are a real consideration. Phase I environmental site assessments are required before we commit on any industrial or former-industrial commercial bridge loan. Recognized environmental conditions trigger Phase II investigation requirements, which affect timeline.
Foreign-national commercial borrowers bring ownership structures — Cayman holding companies, Panama LLCs, Miami-based Florida LLCs owned by non-U.S. residents — that conventional commercial lenders decline on procedural grounds. We work with these structures. The property is the collateral. The entity structure is a legal question for title and counsel, not a reason to decline the deal.
Hard Money Loans of Miami evaluates commercial bridge applications starting with the property and the plan. We want to understand what the asset looks like today, what it will look like at stabilization, and how you're going to get there. Preliminary deal feedback within 24-48 hours. Full commitment and term sheet within the week on clean deals.
We coordinate with commercial appraisers who know the Wynwood, Allapattah, Hialeah, and Doral submarkets — not appraisers applying suburban office park comparables to an adaptive-reuse warehouse conversion. Our commercial draw inspection network includes inspectors experienced with Miami-Dade commercial construction and ADA compliance requirements.
Loan structures are interest-only during the bridge period, with construction draws released on a milestone-verified basis. We do not penalize early payoff.
Hard Money Loans of Miami originates commercial bridge loans across Miami-Dade County commercial submarkets: Wynwood and Allapattah for adaptive-reuse and creative-economy conversions; Hialeah and Medley for industrial and light-manufacturing; Doral for corporate commercial and retail; Kendall and South Miami for suburban retail and office; and Little River and the Upper Eastside for transitional mixed-use.
Yes. This is a common ownership structure in Miami-Dade commercial lending. We work with Florida LLCs, foreign-owned domestic entities, and international holding company structures. The property is the collateral. We require proper entity formation, a clear operating agreement, and a viable business plan. Nationality and domestic credit history do not drive the underwriting decision.
Yes — this is a specific strength of our commercial bridge program. Warehouse-to-creative office, live-work, food hall, and mixed-use conversions in the Wynwood, Allapattah, and Little River corridors require bridge financing because the properties don't have stabilized income during conversion. We fund acquisition and renovation costs under a single bridge structure with construction draws released as work is verified.
Most commercial bridge closings run 7-14 days from completed application. We provide preliminary term sheets within 24-48 hours. The appraisal and environmental assessment are typically the longest-lead items. For deals where a Phase I environmental report is already in hand and the property is straightforward, we can compress the timeline. Hialeah industrial and warehouse deals that require quick action are part of our normal pipeline.
We require Phase I completion before committing on industrial or former-industrial collateral. If a Phase I is in process, we can issue a preliminary indication pending the report. If the Phase I identifies recognized environmental conditions requiring Phase II investigation, we evaluate the situation case-by-case. The presence of an REC does not automatically disqualify the deal — it affects timeline and may affect LTV.
For stabilized or lightly transitional commercial properties, we lend up to 65-70% of as-is value. For value-add or repositioning deals, we evaluate the as-stabilized value and structure the loan accordingly, typically 60-65% of as-stabilized. Exact ratios depend on property type, submarket, renovation scope, and the strength of the exit strategy. Contact us with your specific deal for a same-day indication.