Financing Solutions for Commercial Property Investors
Commercial real estate investment success in Palm Beach County is increasingly determined by execution speed. Sellers with well-located office buildings on Flagler Drive, retail centers along Atlantic Avenue in Delray Beach, or flex/industrial properties near the Port of Palm Beach have no shortage of buyers. The differentiator is often who can close with certainty — not who has the highest bid.
Our commercial hard money loans evaluate deals on property fundamentals and investment thesis, not borrower tax returns and committee approval timelines. We lend on office buildings, retail centers, standalone commercial structures, mixed-use developments, industrial flex spaces, multifamily buildings of five or more units, and hospitality properties across Palm Beach County's active commercial submarkets. Acquisition-only and acquisition-plus-renovation structures are both available.
The post-2020 corporate migration to Palm Beach County has generated meaningful commercial demand from ancillary businesses supporting the wealth concentration on the island and in West Palm Beach: family office operations, legal and accounting practices, wealth management firms, private club-adjacent hospitality, and luxury retail supporting the new demographic. We understand these demand drivers and incorporate them into commercial property underwriting.
- Loan amounts from $500,000 to $20M+ for commercial acquisitions
- Up to 75% LTV on stabilized commercial properties with strong cash flow
- Interest-only payment options to preserve cash flow during repositioning
Commercial Property Types We Finance
Palm Beach County's commercial real estate landscape has diversified substantially since 2020. Office demand has bifurcated — Class A professional space in downtown West Palm Beach is absorbing well, driven by financial services and professional services firms following relocating principals; Class B suburban office faces higher vacancy and value-add pressure. We finance both stabilized Class A acquisitions and Class B value-add plays with clear repositioning strategies.
Retail properties remain investable when location and tenant fundamentals are right. Grocery-anchored centers, medical-adjacent retail, and high-traffic neighborhood centers in growing population corridors throughout Boynton Beach, Delray Beach, and Jupiter are active. We look at actual traffic, sales per square foot where available, and co-tenancy strength rather than simply extrapolating lease income.
Industrial and warehouse properties have seen the county's strongest commercial fundamentals. E-commerce logistics, last-mile distribution, and light manufacturing demand has absorbed virtually all available industrial product in the West Palm Beach, Riviera Beach, and Boca Raton industrial corridors. We fund acquisitions and construction in these supply-constrained markets.
Multifamily commercial — apartment buildings of 5+ units — is financed under our commercial programs with NOI-based underwriting appropriate for income-producing investment properties.
- Office buildings, medical offices, and professional services properties
- Grocery-anchored and necessity retail; Atlantic Avenue and Clematis Street mixed-use
- Industrial warehouses, flex space, and logistics facilities near PBI and Port of Palm Beach
Fast Approval and Closing Timeline
Speed is the defining characteristic of our commercial hard money program. While conventional commercial lenders run 60-90 day timelines with multi-committee approval processes, we issue term sheets within 24-48 hours of receiving property information and close within 7-14 days. For sellers who are sophisticated investors themselves — and there are many in Palm Beach County — a 7-day close from a hard money lender often beats a 90-day conventional close.
Our process: same-day preliminary review of your loan request; term sheet within 24-48 hours; appraisal ordered immediately upon term sheet acceptance (rush appraisal available for time-sensitive transactions); in-house loan document preparation; direct coordination with commercial title counsel. No committee delays, no secondary approval chains.
For commercial acquisitions involving post-2020 market dynamics — buying from estate liquidations, corporate dispositions, or distressed sellers who need certainty of close — our speed creates deal access that conventionally financed buyers simply cannot match.
- Preliminary approval within 24-48 hours of complete application
- Typical closing timeline of 7-14 business days
- Rush appraisal coordination for time-sensitive commercial transactions