Commercial Real Estate Loans
Florida Commercial Loan Experts – Your Partner for Commercial Real Estate
Your Florida Commercial Lending Partner – If you’re looking for a reliable commercial lender in Florida, you can count on 1st Florida Mortgage. In addition to offering competitive rates, we provide quick pre-approvals and flexible financing solutions, making it easier for both investors and business owners to achieve their goals.
Our lending options cover everything from rental properties, fix-and-flip projects, and new construction to a full range of commercial real estate, including office buildings, retail centers, warehouses, multifamily properties (5+ units), hotels, and more. Whether your goal is to purchase, refinance, or build, our Florida-based team is ready to help you secure the right loan to move your business forward in today’s market.
Thousands of Loan Programs.
Hundreds of Lenders.
One Commercial Lending Platform.
Through our partnership with CommLoan, we are able to offer a true one-stop solution for commercial financing. As a result, you gain direct access to hundreds of lenders and thousands of loan programs, all within one convenient platform—making it easier than ever to find the right financing for your needs.
- Local Florida Commercial Lender
✅ Flexible Financing Options
💼 Local expertise You Can Trust
⚡ Fast Approvals & Competitive Rates
We provide an extensive selection of commercial loan programs with competitive rates and flexible terms, financing projects from office buildings to multifamily and mixed-use developments. Our experienced team is committed to delivering outstanding service and will work with you from start to finish to ensure a smooth lending process.
Why More Floridians Choose Us ?
It's Our People!
Brett Dempsey is an experienced commercial lending professional with a proven track record of guiding clients through the complexities of commercial real estate financing. Over the years, his background has expanded to include a wide variety of property types—such as office buildings, retail centers, and investment properties—which enables him to bring a strategic, solution-focused perspective to every transaction.
Furthermore, he is recognized for his responsiveness, in-depth knowledge of lending guidelines, and unwavering dedication to client success. By working closely with borrowers, Brett structures financing that not only supports their immediate goals but also maximizes long-term value. Whether you are purchasing, refinancing, or developing a commercial property, he is committed to delivering a smooth lending experience—built on expertise, integrity, and results.
Commercial Loans - Speak to an Expert
CALL (855) 314-8080
Real Stories from Real Florida Investors
Florida Commercial Real Estate Lending
Expanded Guidelines
We stay competitive in today’s changing market by providing lower rates, exclusive incentives, and special promotions.
Common Sense Underwriting
Our underwriting process is built to handle complex income profiles, large loan amounts, and distinctive property types.
Customer Service
Florida commercial lender delivering exceptional customer service, guiding you through every step from application to closing.
Fast, Flexible Investment Property Financing
No income verification. No asset collateralization. Just the funding you need—fast.
Lines up to $10M
90% purchase + 100% rehab (experience-based)
Credit scores as low as 620
12-month interest-only terms
Works for SFR, 2–4 units, condos, townhomes, and multifamily (with experience)
Open to all investor levels — from first-time to seasoned pros
Turn distressed properties into profitable investments with speed and ease.
Build Wealth with Long-Term Rental Financing
No income verification. Fast, flexible funding for single rentals or full portfolios.
$75K–$1.5M loan amounts
Based on property cash flow
Purchase, refinance, or cash-out
Credit scores down to 660
Works for SFR, 2–4 units, condos, townhomes, and multifamily
From first rental to seasoned portfolio—close quickly and keep growing.
Rental & Portfolio Financing Made Simple
No income verification. Flexible funding for single rentals or entire portfolios.
Loans $100K–$1.5M
Based on property cash flow
Purchase, refinance, or cash-out
Credit scores down to 660
Borrow as an LLC or individual
Eligible for SFRs, 2–4 units, condos, townhomes
Grow your portfolio with fast approvals and investor-friendly terms.
Ground-Up Construction & Land Financing
Build up to five properties at once with funding that covers both land and construction.
100% of construction costs
Up to 75% of land value
Loans from $150K–$2.5M or credit lines up to $10M
12-month interest-only terms with extensions
Credit scores down to 620
For non-owner-occupied SFRs, townhomes, and multifamily (up to 20 units)
Fast, flexible funding to bring your projects from lot to completion.
Comprehensive Commercial Loan Solutions
We offer a full spectrum of commercial financing options, from $100K to $100M, tailored to fit the unique needs of each project. Our team works with you to structure the right solution—because no two deals are the same.
Available nationwide, including all U.S. territories.
About 1st Florida Mortgage
Florida’s Trusted Commercial Real Estate Lender
Competitive rates, expert guidance, and exceptional service—backed by years of proven experience.
Florida-Based Expertise
Purchase, Refinance & Construction
Competitive Rates & Terms
Flexible Loan Programs
Variety of Commercial Loan types
Fast Approvals & Closings
Commercial Loans in Florida Made Simple
At 1st Florida Mortgage, we offer flexible commercial real estate financing to help you purchase, refinance, or build properties across the state. From office buildings to retail centers, our solutions feature competitive rates, flexible terms, and fast, local decision-making.
Competitive Rates – Fixed or variable options to match your goals
Flexible Terms – Repayment schedules designed around your cash flow
Fast Approvals – Local decisions with personalized service
Versatile Funding – For acquisitions, refinancing, or new construction
Expert Support – Experienced commercial lenders guiding you every step
Commercial Property Types We Finance
Retail
Factory Outlet, Mall (Regional & Super Regional)
Neighborhood & Grocery Centers
Power Centers, Shadow-Anchored Retail
Single-Tenant & Unanchored Strip Centers
Multifamily
Apartments: Co-Op, Condo, Garden, Mid/High-Rise, Townhomes
Mixed-Use
Senior Housing / 55+ Communities
Student & Military Housing
Hospitality
Hotels (Flagged or Unflagged): Full Service, Limited Service, Extended Stay, Conversions
Healthcare
Assisted Living & Skilled Nursing (Memory Care)
Hospitals, Inpatient & Outpatient Facilities
Industrial
Flex Space / R&D
Manufacturing (Heavy & Light Industrial)
Warehouses (Bulk & Cold Storage)
Office
Central Business District (CBD)
Medical Offices, Single-Tenant Offices
Suburban Garden & High-Rise Offices
Mixed-Use (Office/Retail)
Special Use & Other
Auto Dealerships & Service Centers
Bars/Nightclubs, Bowling Alleys, Campgrounds, Golf Courses, Marinas
Gas Stations, Car Washes, C-Stores
Daycares, Funeral Homes, Movie Theaters
Restaurants (Franchise & Non-Franchise)
Development, Ground-Up Construction, Renovation/Rehab (experience required)
Marijuana Facilities (where permitted)
Single-Family Rental Portfolios, Self-Storage, Short-Term Rentals (STR/Airbnb)
Mobile Home Parks
Commercial Real Estate Loan Guidelines
Most commercial loans feature terms from 5–25 years with amortization up to 30 years. Rates may be fixed or variable, with monthly repayment schedules. We provide flexible structures tailored to fit your business goals.
Qualifications for a Commercial Real Estate Loan in Florida
Eligibility for a commercial loan in Florida is based on factors such as business financials, credit history, property type, loan-to-value (LTV) ratio, and projected cash flow. Our commercial lending experts will review your credit profile, assess your qualifications, and guide you through each step of the process—ensuring you understand the requirements specific to your financing needs.
