Cross Bridge Capital
Miami skyline at dusk

Florida Hard Money Lender

Capital that moves at your speed.

The quiet force behind deals that traditional banks won't touch. We're a Coral Gables-based direct lender serving real estate investors across Florida — from Miami and Fort Lauderdale to Tampa, Orlando, and Naples. We underwrite on asset value, move fast, and close when timing is everything.

WHO WE ARE

Private Capital for Real Estate Investors

We're a direct private lender for residential and commercial real estate investors throughout Florida. Headquartered in Coral Gables, we serve markets from Miami-Dade and Broward to Palm Beach, Tampa Bay, Orlando, and Southwest Florida. We underwrite on asset value — not personal income or credit scores — which means we make decisions faster, with fewer conditions, and without the institutional friction that kills deals.

When timing and certainty matter, that distinction is everything.

Borrower Direct

Borrower Direct

Investors who move fast and need a lender that keeps up.

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Loan Programs

Loan Programs

Purpose-built capital for every phase of the deal cycle.

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Broker Partners

Broker Partners

Reliable funding for originators who need certainty at close.

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Referral Partners

Referral Partners

Advisors who connect clients with fast, flexible capital.

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Capital Partners

Capital Partners

Accredited investors seeking secured, asset-backed yields.

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OUR PROGRAMS

Purpose-built capital for serious real estate.

We understand that every deal is unique. We don't fit your project into a box; we structure the capital to fit the project. Asset-based underwriting means we focus on the real estate, not just your tax returns — across every major Florida market.

Fix & Flip

Fix & Flip

Short-term capital for acquisition and renovation. High leverage options for experienced investors looking to maximize their returns.

100% Rehab12-18 Mo Terms75% LTV
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Bridge Loans

Bridge Loans

Fast liquidity to secure a property before securing permanent financing or completing a sale. When timing is your only hurdle.

5-7 Day CloseNo Prepay Penalty75% LTV
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Ground-Up Construction

Ground-Up Construction

Flex Draws12-24 Mo Terms75% LTV
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Commercial & Multifamily

Commercial & Multifamily

$1M–$15MNon-RecourseInterest-Only
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Land Loans

Land Loans

65% LTV12-24 Mo TermsFast Close
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DSCR Loans

DSCR Loans

30-Yr TermsNo Income Verify1-4 Units
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Fund your next deal.

Submit your scenario below. Our underwriting team reviews all inquiries immediately and will provide initial feedback within 24 hours.

CORPORATE OFFICE

1600 Ponce de Leon Blvd
10th Floor
Coral Gables, FL 33134

DIRECT LINE

(954) 336-7802