About Us
Unlike traditional lenders, Commercial Loans Florida looks at the complete picture of your business - not just the balance sheet. Commercial Loans Florida invests in people, not numbers.
Our Story→
We offer all types of commercial loans in Florida for all types of small, medium and large companies worldwide.
We are able to provide solutions that will precisely fit each client's situation. Our funding processes is the most efficient in the industry.
With over 50 years combined knowledge and experience in commercial financing, the partners at Commercial Loans Florida provide our clients with access to capital markets, delivering custom-made financing structures for multi-family and commercial real estate financing needs in the State of Florida.
Most banks, commercial lenders and mortgage brokers work with a narrow range of standardized products and automated processes, with very little attention given to the individual borrower or underlying "spirit" of the project. CLF takes a different approach. Our professionals are able to offer a financial solution that will precisely fit each individual client's situation. We understand that each client is special and unique, and each project has a different character that goes beyond the bottom-line numbers.
By listening to and understanding each client's needs carefully, we believe that we will be able to gain a true picture of your project and share your enthusiasm.
In addition to our knowledge of the industry and years of expertise, we place a high value on being flexible, personal, and resourceful. Our funding and closing processes are the most efficient and streamlined in the industry. That’s why Commercial Loans Florida can offer the most competitive rates to meet your financing needs – no matter how challenging it might be for other financial institutions.
Our Mission
At Commercial Loans Florida, Inc. our mission is to eliminate the friction between Florida real estate investors and the capital they need to grow. We believe that an investor’s potential should be measured by the strength of their deals, not the complexity of their tax returns.
Our Approach:
Asset-Focused Underwriting: We qualify your loan based on the property’s rental income (DSCR), not your personal debt-to-income ratio or tax returns.
The "Florida Realism" Standard: We ensure your deal is bankable by using a conservative carrying-cost model—calculating Property Taxes at 1% and Insurance at 1% of the purchase price for every quote.
Specialized Property Tiers: From single-family rentals and 2-4 unit "house hacks" to 5+ unit commercial apartment complexes, we apply specific metrics to maximize your leverage.
LLC-Friendly Closing: We encourage investors to close in an LLC or Corporate entity to maximize asset protection and portfolio scalability.
Speed of Execution: In the competitive Florida market, timing is everything. Our streamlined process aims for "Clear to Close" in as little as 14–21 days.
Testimonials
What Our Clients Say
Working with this team made expanding my portfolio incredibly easy since they focused on my property's cash flow rather than my personal income. The DSCR loan process was seamless, and the 1% tax and insurance estimates we used for planning were spot on for my budget.
I was struggling to qualify for a traditional loan as a self-employed investor, but their DSCR program was the perfect solution for my latest rental acquisition. The closing was fast, professional, and allowed me to secure a high-performing asset without the usual mountain of personal paperwork.
As a first-time investor, I was nervous about qualifying for a mortgage while still working my 9-to-5. This team made the process incredibly easy by focusing on the property's potential rather than just my personal income. Their deep understanding of the market and simple approach to calculating the 1% tax and insurance buffers gave me the confidence to close on my first rental property with zero stress.
Having built a portfolio of 15+ units, I’ve hit the 'lending wall' with traditional banks many times. These guys are a breath of fresh air; they treat my real estate business like a business. Their DSCR loans allow me to scale rapidly without the mountain of tax returns usually required, and their speed in underwriting ensures I never miss out on a competitive deal.
I was in a tight spot with a high-interest private bridge loan coming due and a traditional bank that backed out at the last minute, putting my entire equity at risk. This team stepped in and saved the property by quickly pivoting to a long-term DSCR loan. They recognized the property's strong cash flow when others wouldn't, effectively bailing me out of a predatory situation and securing my investment's future.
We qualify the property, not you.
No tax returns or DTI checks required.
WE CAN DO DSCR LOANS IN THE FOLLOWING STATES
Alabama, Arkansas, Colorado, Connecticut, Washington DC, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin, Wyoming
Focus on the Cash Flow. We'll handle the rest.
Copyright 2026. Commercial Loans Florida, inc. All rights reserved.