Hard Money Loans in Escambia County Florida
At GotLOI, we specialize in providing flexible, fast-closing hard money loans in Escambia County, Florida. Whether you’re flipping homes in Pensacola or developing ground-up in nearby neighborhoods, our asset-based loans are designed to meet the needs of real estate investors without the red tape of traditional bank lending.
Loan Program Overview
Our hard money loans are short-term financing options tailored for real estate investment opportunities, including fix and flips, bridge loans, land development, and ground-up construction. These loans are based on the asset’s value, not your credit score or income documentation.
How to Qualify
Qualifying is easy and hassle-free. We require:
- Property address and estimated value
- Purchase and rehab budget
- Investor experience and exit strategy
- Title and insurance details
Property Types Eligible
We fund various project types including:
- Single-family homes
- Duplexes, triplexes, and fourplexes
- Mixed-use and small commercial
- Vacant lots with approved permits
Fast Funding Timelines
Our loans typically close within 5–10 business days. Minimal documentation, local inspectors, and flexible draw schedules allow you to start your project fast without waiting months for a bank decision.
Trusted Local Lending Experience
Serving real estate investors across Florida, we’ve funded over 1,000+ projects, including bridge loans in Walton County communities like Miramar Beach, DeFuniak Springs, Freeport, and Santa Rosa Beach. Our in-state team understands Florida permitting processes, coastal property regulations, hurricane-related insurance requirements, and zip codes investors are active in.
What We Look For
Experienced investors or contractors
Custom loan terms for unique investments
Interest-only payments
Same-day deal feedback
No tax returns or W-2s required
Get Started Today
Get fast approval on your loan by applying now and speaking with a local Florida lending expert who’ll guide you through the process. Simply submit your deal scenario for same-day feedback and take the first step towards achieving your financial goals