Hard Money Loans in Polk County Florida
At GOTLOI, we specialize in fast, flexible hard money loans in Polk County, Florida. Whether you’re a seasoned investor or starting your first project, our asset-based lending programs help you close fast and maximize ROI in Lakeland, Winter Haven, Bartow, and surrounding areas.
Loan Program
Our hard money loans are short-term, interest-only loans used to finance non-owner-occupied residential and commercial investment properties. We prioritize asset value and deal strength, not income or credit history.
How to Qualify
– A solid scope of work
– Purchase contract or existing ownership
– Exit strategy (sale or refinance)
– Property located in Polk County or surrounding cities
Property Types Eligible
– Single-family rentals
– Fix and flip homes
– Duplexes and triplexes
– Mixed-use and light commercial
– Land or teardown properties with plans
Fast Funding Timelines
Most deals fund in 5–7 business days. No tax returns or pay stubs required. We work with tight timelines and auction deadlines.
Our Experience in Polk County and Across Florida
GOTLOI has funded over 1,000 real estate projects across Florida. We understand Polk County’s unique investor landscape—from renovation trends in Lakeland to permitting issues in Winter Haven.
Why Choose Private Hard Money Over Bank Loans?
Asset-based, deal-focused underwriting
Close in days, not months
Ideal for distressed or non-bankable properties
No income verification or DTI requirements
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.