FL · CRE

Commercial Real Estate Loans in Florida.

Summit places commercial real estate loans with vetted lenders serving operators across Florida — from Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale to smaller commercial markets. Florida is one of Summit's highest-volume markets — hospitality, construction, and trucking operators benefit from a deep lender bench familiar with seasonal and storm-driven revenue patterns.

Capital Range
$1M – $500M+
Time to Funding
3 – 6 Weeks
Coverage
All of FL
Overview

Commercial Real Estate Loans for Florida operators.

Summit structures and places permanent, bridge, and construction commercial real estate financing through agency lenders (Fannie, Freddie), CMBS conduits, life companies, debt funds, and balance-sheet banks. We tailor capital stacks for sponsors seeking competitive coupon, maximum proceeds, or non-recourse execution.

In Florida, commercial real estate loans demand is concentrated in hospitality and construction — sectors where Summit's lender bench has deep underwriting history. We structure deals against Florida bank deposits, AR, and equipment, and execute documentation under the state's commercial finance rules.

Whether you operate in Miami, Orlando, or a secondary market, the same desk handles intake, term-sheet negotiation, and funding — so Florida operators get institutional execution without local-bank delays.

Best Fit

Who this works for in Florida.

  • Multifamily and mixed-use acquisitions and refinances
  • Owner-occupied and investor-owned commercial properties
  • Industrial, retail, office, hospitality, and self-storage assets
  • Ground-up construction and value-add reposition projects
  • Florida-based operators in hospitality, construction, logistics, medical — Summit's most active FL segments.
Typical Terms · FL
Loan Size$1M – $500M+
RateTreasury / SOFR + Spread
Term5 – 30 Years
AmortizationUp to 30 Years
LTVUp to 80%
RecourseRecourse or Non-Recourse
Qualification
Property TypeMultifamily / CRE / Industrial
Sponsor Net Worth≥ Loan Amount (typical)
Sponsor Liquidity10% of Loan (typical)
DSCR1.20× – 1.35× Minimum
Credit Score680+
GeographyFlorida (FL)
Markets Served · Florida
MiamiOrlandoTampaJacksonvilleFort Lauderdale+ Statewide

Ready to fund your Florida business?

Same desk. Same execution. Indicative terms within 24 hours.

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