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Hard Money Lenders Tampa



Independent Lending one of the leading Tampa hard money lenders. With over $500 Million in funding since 2013, leverage our experience for success and contact us today.

  • 40 Years Mortgage Lending Experience

  • Zillow 5-Star Approved Direct Lender

  • Poor - Excellent Credit

  • A+ Rating with BBB

  • No Upfront Fees

Independent Lending

Independent Lending has been a reliable Tampa hard money lender since 2013 providing a variety of hard money, private money and also specialized finance programs. Situated in lovely Aliso Viejo, CA Independent Lending has actually funded over $500 million in home loan funding and also offers a superb degree of consumer solution as well as fast financing for rapid cash money. Independent Lending’s Tampa, FL home mortgage rates are affordable and also we have no junk charges. Contact Us for a quick conversation about your mortgage lending goals!


What Sets Us apart


130 Five Star
  • 130 Zillow 5 Star Reviews
  • 5 Star Google Reviews
  • A+ Rating with BBB​


Loans Funded
$ 500 Million
  • 40 Years Mortgage Lending
  • Poor - Excellent Credit
  • Several Programs


Average Days to Fund
15 days
  • No Upfront Fees Ever!
  • Same Day Approval
  • Direct Lender

Hard Money Lenders Tampa

Thousands of real estate investors and property owners are setting their sights on key markets ripe for investment throughout Florida. Using hard money lenders, Tampa is one of the more optimal locations alluring both new and seasoned investors alike.

Compared to other investment hotspots, 
Tampa ranks highly as having one of the hottest housing markets for over the last couple of years. But that’s no surprise given that Tampa is one the biggest cities throughout the state.

The most alluring feature is rent prices, which are forecasted to 
continue growing over the next few years, albeit at a slower clip. Recently, rent prices in the Tampa metro area have hit double digit annual growth and Tampa’s strong job market has made the region the perfect place for investors to net bigger returns.

But in order to leverage all the benefits that this key real estate market has to offer, you will need access to fast financing so that you can remain both competitive and focused when executing your investment strategy.

Savvy borrowers are turning to hard money lenders. Tampa hard money lenders have helped thousands of investors expand their portfolio and generate wealth through residential and commercial real estate.

Independent Lending has been one of Tampa’s preferred hard money lenders for over a decade, with 40 years of combined experience helping investors and property owners alike navigate hard money loan programs and develop intrinsic financing strategies.


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Tampa Residential Hard Money Loans

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Tampa Commercial Hard Money Loans

What is a Tampa Hard Money Loan?

Whether you are a new or seasoned real estate investor, you probably have some concept of how a real estate loan works. But Tampa hard money loans are a little different than your typical mortgage from a bank or credit union.

For starters, Tampa hard money loans are usually short-term loans, intended to be used to buy or renovate and sell real estate. While loan term lengths can vary, most hard money loans are between 6-60 months.

Another crucial factor that sets Tampa hard money loans apart from other conforming conventional mortgage programs is the qualifying criteria. Institutional lenders have strict requirements you must meet in order to qualify for a new loan. This could include factors like credit score and personal income.

On the other hand, Tampa hard money lenders make credit decisions primarily based on the value and condition of the property that is securing your loan. They also do not have to follow the same rules and regulations that banks and credit unions must adhere to. In short, this makes it easier for you to qualify for a hard money loan than a traditional mortgage loan.

Independent Lending offers a variety of hard money loans Tampa real estate investors can take advantage of to streamline their business model and enhance their investment strategy.

Need a Tampa Hard Money Loan?


Tampa Hard Money Program Highlights

How Can Tampa Hard Money Lenders Help?

There are several ways in which Tampa hard money lenders can help real estate investors and property owners. Contrary to popular belief, one of the biggest benefits Tampa hard money lenders provide is savings of both cost and time.

First, consider the fact that Tampa hard money lenders can approve loan requests much faster than traditional and online lenders. This allows you to scale your investing business much more quickly and take advantage of income streams faster.

Another way Tampa hard money lenders save you money is by having the ability to close and fund deals in as little as a few days. That’s much faster than the typical 45-60 day turnaround time that 
traditional lenders require.

Furthermore, reduced processing time also frees up more time for you to pursue new investment opportunities. Saving you time having to wait around for your loan to be approved will allow you to unequivocally grow your rental portfolio.

Another way Tampa hard money lenders can help is by making the approval process more efficient. Tampa hard money lenders are extremely impactful because they don’t require you to provide page after page of financial documentation.

Instead, Tampa private money lenders set their own lending parameters which allows them to be more flexible with their approval decisions. Most will find that when comparing a traditional lender to a hard money lender, Tampa hard money lenders are able to tackle more unique loan requests than their counterparts.

Nevertheless, while many Tampa hard money lenders maintain specialty lending programs, not all hard money lenders are the equal. For example, many Tampa hard money lenders don’t take the time to know your unique financing needs. Rather they stick you in a hard money loan program most profitable to them.

Independent Lending is a different kind of hard money lender. Tampa borrowers can expect a concierge-like approach that focuses on strategy and planning. Independent Lending prides itself on being an effective resource to help you achieve your financial objectives.

Whether you need bad credit mortgage loans, bridge loans, cash out refinance, or simply want to leverage alternative underwriting criteria, Independent Lending can help.

About Our Mortgage Lending and Service

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Commercial and Residential Hard Money Purchase Loans

The most common way to utilize a hard money loan in Tampa, FL is by purchasing a new residential or commercial investment property. Due to their versatility, hard money loans are ideal for investors looking to accelerate their real estate investing strategy.

Also, when you 
purchase a property using hard money, Tampa sellers will probably give your offer greater consideration because they understand that the deal is more likely to close quickly and less likely to fall through due to a financing related issue. If there is enough of a down payment, then even a purchase home equity loan with bad credit is obtainable


Independent Lending is one of Florida’s preferred hard money lenders that specializes in bridge loansBridge loans are a little different than typical loan programs.

These short-term loans allow you to leverage a Tampa property you are selling and use the equity to fund the entire purchase price or down payment on a new property before your sale closes.


Whether you are new to real estate investing or already have a vetted investing plan in place, flexibility is key to making any investment strategy work. Tampa hard money lenders can provide that needed flexibility through DSCR hard money loan programs.

Debt service coverage ratio (DSCR) loans are a unique type of hard money Tampa borrowers can use that doesn’t require your lender to review your personal income. Rather, Independent Lending will approve your loan request based on the value of the subject real estate and the potential it has for generating rental income.

Bad Credit Loans

Even though U.S. FICO credit scores have been on the rise over the last decade, many borrowers still find it challenging to get approved for a new mortgage loan. That’s why Independent Lending offers a guaranteed home equity loan with bad credit to borrowers who have had problems in the past managing their credit history.

Regardless if you have a few minor medical collections or a couple late payments, your credit history can really impact your credit score. But with a bad credit home equity loan, Independent Lending doesn’t qualify you based on a set minimum credit score. That means you can qualify for a hard money loan even if you have had a prior bankruptcy, foreclosure, or other extenuating circumstances.


It can be difficult navigating probate, estate, and trust situations. In some cases, it can be necessary to obtain a real estate loan to help settle debt obligations or divide up ownership of a decedent’s assets.

Independent Lending is one of the few Tampa hard money lenders that specialize in 
probate, estate, and trust situations. We can help you understand and identify ways to best structure your probate, estate, and trust loan to help bring closure to long, drawn out legal proceedings.

Cash Out Refinance Loans

There are several ways to purchase a new rental property. Many Tampa borrowers believe a purchase mortgage is the only financing solution available.

Taking advantage of a cash out refinance loan is sometimes more beneficial than a hard money purchase loan. 
Cash out refinance loans allow you to leverage tappable equity in existing real estate and put the funds toward the purchase of another property.

Private money lenders such as Independent Lending has helped many Tampa borrowers build refinance strategies that can enhance any real estate investment plan.

Independent Lending Recently Funded Loans

Using a Tampa Hard Money Loan from Independent Lending

There are a variety of different Tampa hard money loan programs available, such as bad credit mortgage loans that can provide some amazing advantages when used correctly. But for hard money to be effective, you need to make sure you partner with the right Tampa hard money lender.

Not all Tampa hard money lenders are alike. Some providers simply throw you into the hard money loan program that earns them the most money. They may not truly understand your needs or financial objectives.

Independent Lending is different. Our proprietary approach to hard money lending makes us a trustworthy provider, reveled by hundreds of clients for coming up with solutions that best suit your investing goals. As a A+ Accredited BBB direct lender, Independent Lending can help you take advantage of everything the Tampa real estate market has to offer.

Need a Tampa Hard Money Loan?


Contact Independent Lending

Call Toll Free: 1.800.315.0043 / Local: 949.830.3151 or click the Contact Us button to fill out our secure web form for a call back. At Independent Lending, we give every loan request the respect it deserves.

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