📍 Orlando, FL   |   FL Broker License BK703722   |   39 Years Experience   |  (312) 612-1031

Florida CRE Financing

The Right Capital for
Every Florida CRE Deal.

500+ active lender relationships. 39 years of Florida commercial mortgage experience. Every major loan program, sourced by the broker who knows the Florida market best.

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Short-Term

Bridge Loans

Acquisition + value-add financing. 12–36 months. Linton Global Capital direct.

Rate: 7.5–9.5%
Leverage: 70–80% LTV
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Owner-Occupied

SBA 504 Loans

Up to $5.5M for owner-occupied CRE. Below-market fixed rate.

Rate: ~6.2%
Leverage: 90% LTV
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Flexible SBA

SBA 7(a) Loans

Up to $5M for owner-occupied real estate + business needs.

Rate: Prime + 2.75%
Leverage: 85–90% LTV
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Fannie / Freddie

Multifamily Agency Loans

Dominant lender for stabilized multifamily. Non-recourse available.

Rate: 5.8–6.5%
Leverage: 70–75% LTV
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Long-Term

HUD / FHA Loans

223(f), 223(a)(7), 221(d)(4). Lowest rate, longest term, 35-year amort.

Rate: ~5.5–6.0%
Leverage: 85% LTV
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Non-Recourse

CMBS Loans

Conduit loans for hotel, retail, office, industrial. Non-recourse.

Rate: 6.8–7.5%
Leverage: 65–75% LTV
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Ground-Up

Construction Loans

Multifamily, industrial, mixed-use construction financing.

Rate: SOFR + 300
Leverage: 60–70% LTC
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Fast Close

Hard Money Loans

Asset-based; story-friendly; 7–14 day close possible.

Rate: 10–14%
Leverage: 60–70% LTV
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Unique

Distressed Debt

NPL acquisition and note buying. Linton Global Capital specialty.

Rate: Deal-by-deal
Leverage: Various
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Live Update

Current FL Rates

Live weekly rate snapshot for all commercial loan programs in Florida.

Rate: Updated weekly
Leverage:
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Frequently Asked Questions

What types of commercial real estate loans are available in Florida?

Florida commercial real estate borrowers can access bridge loans, SBA 504 and 7(a), Fannie Mae and Freddie Mac multifamily loans, HUD 223(f) and 223(a)(7), CMBS conduit loans, construction loans, hard money / private capital, mezzanine financing, and distressed debt acquisition. The right loan depends on asset class, hold period, leverage targets, and borrower experience.

What are current commercial mortgage rates in Florida?

Florida commercial mortgage rates vary by program: agency multifamily 5.8–6.5%, SBA 504 ~6.2%, CMBS 6.8–7.5%, bridge loans 7.5–9.5%, hard money 10–14%. Rates depend on LTV, DSCR, asset class, sponsor strength, and market timing. We update our live rate page weekly.

Who can help me source the best commercial loan in Florida?

Michael R. Linton at Linton Global Solutions has direct relationships with 500+ active commercial lenders — community banks, agency lenders, life companies, CMBS originators, private capital, and HUD MAP lenders. We shop your deal across the entire market to get the best terms.

One Application. Hundreds of Lenders.

Submit your scenario once. We shop it across our 500+ lender network and present you with the best terms — typically within 48 hours.

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Rate & Lending Disclosure
Interest rates, loan terms, leverage levels, and pricing references shown on this page are estimates only, based on current Florida commercial real estate market conditions and lender feedback as of the page's last update. They are not commitments to lend, are not loan approvals or pre-qualifications, and do not guarantee any specific loan terms or that financing will be available to any particular borrower or property. Actual interest rates, fees, leverage, amortization, prepayment terms, and other loan terms depend on borrower qualifications (credit, net worth, liquidity, experience), property characteristics, lender-specific underwriting requirements, third-party reports, and market conditions at the time of application. All loans are subject to lender credit approval, underwriting, and applicable federal, state, and local lending regulations. Linton Global Solutions is a Florida-licensed commercial real estate brokerage (FL Broker #BK703722); it is not a lender. Financing is sourced through third-party lender relationships, and final loan terms are determined by the originating lender. This page does not constitute consumer credit advertising under Federal Reserve Board Regulation Z (12 CFR Part 1026) and is intended for informational purposes only for commercial real estate professionals, investors, and owners considering commercial mortgage financing. Past loan terms or transactions do not guarantee future results.