Construction Loans in Miami, FL
Financing for new construction projects, including ground-up development, renovations, and major improvements. Construction loans provide funds in draws as the project progresses.
Avg Value
$2000K
Construction
$800K
Completion
12 mo
Potential
Very High
Risk
Medium-High
Construction loans fund ground-up builds, major renovations, and additions. Hard Money Lenders of Miami provides construction financing for residential and commercial projects throughout Miami-Dade, with draw-based disbursements that release capital as milestones are met.
We fund single-family, townhome, small multifamily, and commercial construction. Our draw structure, foundation, framing, mechanicals, final, ensures you're not paying interest on capital you haven't used. We work with qualified general contractors and evaluate each project on feasibility.
Construction terms typically run 12-18 months. First-time developers with solid plans can qualify. We typically close in 7-14 days and inspect progress at each draw milestone.
What to Expect
Draw-based: foundation, framing, mechanicals, final. Interest accrues on drawn amounts only.
Ground-up, major renovation, and additions. Qualified GC required.
Terms typically 12-18 months. First-time developers with solid plans can qualify.
We fund in 7-14 days and inspect at each milestone.
Typical Properties
We finance these property types throughout Miami-Dade County. Our flexible terms accommodate a range of strategies, from fix-and-flip to long-term rental.
- , Ground-up construction
- , New builds
- , Major renovations
- , Additions and expansions
- , Property redevelopment
- , Development projects
- , Custom builds
Typical Loan Types
Why Choose Hard Money Lenders of Miami
- , 24-48 hour approval process, Miami deals don't wait
- , Asset-based lending, property value drives approval, not just credit
- , No prepayment penalties, exit when it makes sense
- , Local Miami expertise, we know the market
- , Flexible terms, tailored to your investment needs
How It Works
Frequently Asked Questions
Do you fund ground-up construction in Miami?
Yes. We offer construction loans for ground-up builds, major renovations, and additions throughout Miami-Dade County.
How does the draw process work?
Funds release in draws as construction milestones are met. We work with your builder and inspect progress before each disbursement.
What if I have no construction experience?
A qualified GC and solid plans are key. We fund projects for experienced and first-time developers.
What's the typical construction loan term?
Construction terms typically run 12-18 months. We can extend for larger or more complex Miami projects.
Do I pay interest on the full loan amount?
No. Interest accrues on drawn amounts only. You're not paying on capital you haven't used yet.
What property types qualify?
Single-family, townhome, small multifamily, and commercial construction. We fund ground-up and major renovations.
Get Financing
Ready to finance your construction loans in Miami? Contact us for a quick quote.
Apply NowCall 305-928-2678Explore Other Property Types
Residential Properties
Single-family homes, townhouses, condos, and multi-family units. Residential properties offer stability, predictable cash flow, and long-term appreciation potential.
Commercial Properties
Income-producing properties including retail spaces, office buildings, warehouses, and mixed-use developments. Commercial properties offer higher returns but require more expertise.
Investment Properties
Properties purchased specifically for income generation through rental or appreciation. Investment properties include both residential and commercial types.
Fix-and-Flip Properties
Distressed or undervalued properties purchased for renovation and resale at a profit. Fix-and-flip properties offer high potential returns but require renovation experience and capital.