Investor Tools
Commercial Real Estate Lenders
A curated directory of 29+ commercial real estate lenders active in Florida — from local community banks to national CMBS shops. Find the right capital source for your next deal.
Which Lender Type Is Right for Your Deal?
Buying a stabilized NNN property
Best fit: Bank, Life Company, or CMBS
Low leverage on credit tenants = lowest rates. Life companies and CMBS offer non-recourse options.
Acquiring a multifamily apartment complex
Best fit: Agency (Fannie/Freddie)
Agency lenders offer the best rates, highest leverage (up to 80% LTV), and longest terms for apartments.
Buying your own office or retail space
Best fit: SBA 504 or SBA 7(a)
Up to 90% financing with 25-year fixed rates. Designed for owner-occupied commercial properties.
Value-add or repositioning project
Best fit: Debt Fund or Bridge Lender
Short-term bridge capital with flexible structures. Funds the business plan, refinance to permanent when stabilized.
Ground-up development
Best fit: Bank (Construction Loan)
Banks provide construction financing with draws tied to milestones. Requires strong sponsor experience.
Need to close fast (30 days or less)
Best fit: Hard Money / Private Lender
Asset-based underwriting means faster approval. Higher rate but unmatched speed. Refinance out later.
Full Directory
CRE Lenders by Type
Browse lenders by category. Each section covers a different capital source — click any lender to visit their CRE lending page.
Traditional banks offering permanent, construction, and bridge loans. Best for borrowers with strong financials and banking relationships.
JPMorgan Chase
Largest U.S. CRE lender by volume
One of the largest commercial real estate lenders in the U.S. with strong Florida presence. Full-service CRE lending for stabilized and transitional assets.
Wells Fargo
Major CRE lender offering permanent financing, construction loans, and CMBS execution. Deep Florida market knowledge with dedicated Southeast CRE teams.
Bank of America
Full-spectrum CRE lending including balance sheet loans, agency executions, and CMBS. Strong multifamily and industrial programs across Florida.
Regions Bank
Southeast specialist — flexible balance sheet lender
Southeast-focused bank with deep Florida CRE expertise. Portfolio lender that holds loans on balance sheet — more flexibility on deal structure and borrower profile.
Truist Bank
Largest Southeast-headquartered bank
Major Southeast regional bank formed from BB&T and SunTrust merger. Active CRE lender across all property types with strong Orlando market presence.
Centennial Bank
Local community bank — fast closings
Community bank with aggressive CRE lending in Central Florida. Known for faster closings and more flexible terms than national banks on smaller deals.
Valley National Bank
Active Florida CRE lender after expanding into the state. Competitive rates on owner-occupied and investment commercial properties.
Seacoast Bank
Florida-only bank — true local expertise
Florida-only commercial bank with deep local market knowledge. Portfolio lender offering flexible CRE terms for Florida-based investors.
Member-owned institutions with competitive rates and lower fees. Great for smaller deals and local investors.
Addition Financial Credit Union
Orlando-headquartered — member rates
Orlando-based credit union offering competitive commercial real estate loans. Lower fees and member-focused terms for Central Florida investors.
Fairwinds Credit Union
Central Florida credit union with commercial lending capabilities. Competitive rates and personalized service for local CRE investors.
Fannie Mae and Freddie Mac lenders specializing in multifamily financing. Best rates and terms for apartment properties.
Berkadia
Top agency lender — best-in-class multifamily rates
Top Fannie Mae and Freddie Mac multifamily lender. Industry-leading agency execution with competitive rates and high-leverage options for apartment investors.
Walker & Dunlop
Major Fannie Mae DUS lender and Freddie Mac Optigo seller/servicer. Specializes in multifamily and affordable housing financing across Florida.
Newmark
Full-service real estate capital markets firm offering agency lending, CMBS, and debt/equity placement for all property types.
Insurance companies offering the lowest fixed rates in CRE for long-term, low-leverage stabilized assets.
MetLife Investment Management
Lowest rates in CRE — long-term fixed
One of the largest life company CRE lenders. Offers long-term, fixed-rate permanent financing with low leverage for stabilized assets. Known for the lowest rates in CRE.
New York Life Real Estate Investors
Conservative life company lender offering 10–30 year fixed-rate terms on stabilized commercial properties. Very competitive pricing for low-leverage deals.
Principal Real Estate
Major life company providing long-term fixed-rate mortgages on stabilized CRE assets. Active in Florida multifamily, industrial, and retail.
Non-recourse, securitized loans for stabilized commercial properties. No personal guarantee required.
J.P. Morgan Securities (CMBS)
Non-recourse fixed-rate — no personal guarantee
Leading CMBS conduit lender offering non-recourse, fixed-rate financing. Ideal for stabilized commercial properties where borrowers want no personal guarantee.
Goldman Sachs
Major CMBS originator for large, stabilized commercial properties. Competitive pricing for institutional-quality assets across Florida.
Government-backed loans for owner-occupied commercial real estate. Up to 90% LTV with 25-year terms.
Live Oak Bank
#1 SBA lender — up to 90% LTV
Top SBA 7(a) and 504 lender in the U.S. Specializes in owner-occupied commercial real estate with up to 90% financing and 25-year terms.
Stearns Bank
Preferred SBA lender with fast closings for owner-occupied commercial properties. Strong Florida track record for retail, office, and special-purpose properties.
Ameris Bank
Southeast-based bank and active SBA lender. Provides SBA 504 and 7(a) loans for owner-occupied commercial properties across Florida.
Private capital providing bridge, mezzanine, and transitional financing for value-add strategies.
Blackstone Mortgage Trust
Largest CRE debt fund — transitional capital
Largest CRE debt fund globally. Provides transitional floating-rate loans for repositioning, lease-up, and value-add strategies on institutional assets.
Arbor Realty Trust
Diversified CRE finance company offering bridge loans, agency lending, and mezzanine financing. Active in Florida multifamily and commercial.
Ready Capital
Commercial real estate finance company providing small-balance to mid-market CRE loans. Specializes in bridge, construction, and SBA lending.
Asset-based private lenders that prioritize speed and property value over borrower credit. Fast closings.
Lima One Capital
Close in 10 days — asset-based lending
Private CRE lender specializing in fix-and-flip, rental, and new construction loans. Fast closings (as few as 10 days) for investors who need speed over rate.
Kiavi (f/k/a LendingHome)
Tech-enabled private lender for real estate investors. Streamlined online process for bridge and rental loans on investment properties.
RCN Capital
National private lender offering fix-and-flip, long-term rental, and bridge financing for CRE investors. Competitive rates in the private lending space.
Lenders that hold loans on their own balance sheet, providing more flexible terms and creative structuring.
CIT (a division of First Citizens Bank)
Mid-market portfolio lender offering customized CRE financing. Holds loans on balance sheet providing more flexibility on deal structure.
Pacific Western Bank (Banc of California)
Portfolio lender providing customized CRE loans with flexible terms. Active in value-add and transitional commercial real estate deals.
CRE Loan Types at a Glance
| Loan Type | Typical LTV | Term | Recourse | Best For |
|---|---|---|---|---|
| Bank Permanent | 65–75% | 5–10 yr | Full recourse | Stabilized assets, owner-occupied |
| Agency (Fannie/Freddie) | 65–80% | 5–35 yr | Non-recourse | Multifamily apartments |
| Life Company | 55–65% | 10–30 yr | Non-recourse | Low-leverage stabilized assets |
| CMBS | 65–75% | 5–10 yr | Non-recourse | Stabilized commercial (no PG) |
| SBA 504 | Up to 90% | 10–25 yr | Full recourse | Owner-occupied commercial |
| Bridge / Debt Fund | 70–80% | 1–3 yr | Varies | Value-add, repositioning |
| Hard Money | 60–75% | 6–24 mo | Asset-based | Fast close, fix & flip |
| Construction | 60–75% LTC | 12–36 mo | Full recourse | Ground-up development |
Ranges are general guidelines and vary by lender, borrower strength, property type, and market conditions.
Need Help Finding the Right Lender?
We work with lenders across every capital source to match you with the best financing for your deal. Contact us for a free consultation on your CRE financing options.