Stormfield Capital Get a Loan
Sign In Get a Loan
$2B+ Funded

Fund Your Next Fix and Flip Loan in Florida

Fast, flexible financing for Florida real estate investors. Stormfield lends against your total project cost and funds every draw in-house, so your project keeps moving regardless of what the local market does while you build. The capital, continuity, and certainty to grow from your first flip to your 100th.

Get an Instant Quote Discuss Your Deal
7 Days
As Fast as 7-Day Close
92.5%
Up to 92.5% LTC
90%
Up to 90% LTPP
Balance Sheet Lender
In-House, Start to Finish
FL Lender Since 2020
Instant Quote
Why Stormfield

Built for Florida Fix and Flip Investors

Lending Built for Volatile Markets.

Florida's markets move unevenly, and an appraisal-driven lender can freeze your draws when comps shift mid-renovation. Stormfield lends against your total project cost, so your funding stays consistent regardless of what the market does while you build.

Digital Speed, Real Support.

Get an instant quote in minutes. Stormfield built the platform to remove administrative friction, not to replace the relationship. From first quote to final draw, you have direct access to the people making decisions.

One Team. No Handoffs.

Stormfield underwrites, funds, and services every loan in-house. Submit draw requests through the platform and hear back from the team that already knows your project. No loan sales, no third-party servicer, no new contact when your renovation is halfway done.

Program Terms

Fix & Flip Loan Overview

What you can borrow on a Florida fix and flip, at a glance. For the full program, see the Fix & Flip program page.

Stormfield lends against your total project cost, the purchase price plus the renovation budget, not against a single appraisal that can move while you build. In a state where some markets are still climbing and others are cooling, that matters. If a comparable sale drops while your kitchen is gutted, an appraisal-driven lender can cut your funding and stall your jobsite. Because Stormfield holds every loan on its own balance sheet, your draws keep coming and your project keeps moving.

Fix and flip renovation project
Loan Amount
$250K to $5M+
Loan-to-Cost
Up to 92.5%
Loan-to-ARV
Up to 70%
Closing Speed
7 to 10 Days
Property Types
Non-owner occupied Single Family, Condo, Townhome, 2–4 Unit Multifamily
Eligible
  • Borrowers applying through an entity (LLC or Corporation)
  • Non-owner occupied investment properties (SFR, condos, townhomes, 2–4 unit multifamily, ADUs)
  • First-time and experienced investors (must show liquidity)
  • Properties in livable condition (may be vacant or occupied)
  • Borrowers with sufficient liquidity to cover down payment, reserves, and interest carry
  • No minimum FICO score
Not Eligible
  • Individuals applying for owner-occupied primary residences
  • Vacant land or land development projects
  • Churches, restaurants, or special-use commercial properties
  • Pre-development or horizontal development projects
  • Any deal where Stormfield cannot hold 1st lien position
Full Program Terms Get an Instant Quote
Funded in Florida

Florida Deals We've Closed

Real Stormfield fix and flip loans across Florida, from Gulf-coast condos to coastal single-family. If your deal looks like one of these, we can fund it.

West Palm Beach, FL Fix & Flip
$5,750,000
Luxury Single Family 12 Month Term

High-value acquisition and renovation of a luxury single-family residence in West Palm Beach. One of Stormfield's largest Florida fix and flip loans funded in-house from approval through payoff.

View Transaction
Miami Beach, FL Fix & Flip
$1,700,000
Luxury Single Family 12 Month Term

Luxury single-family acquisition and full renovation in Miami Beach. Acquisition and renovation costs funded in-house with draws managed by the same team from close to payoff.

View Transaction
Tampa, FL Fix & Flip
$405,000
Single Family 12 Month Term

Repeat borrower acquired and renovated a single-family property in Tampa. Stormfield closed with tenants in occupancy and no interior access at underwriting, a scenario most lenders decline.

View Transaction
Naples, FL Fix & Flip
$845,000
Single Family 12 Month Term

Single-family fix and flip in Naples. Acquisition and renovation costs funded in one of Florida's most sought-after coastal markets, with in-house draws through project completion.

View Transaction
Clearwater Beach, FL Fix & Flip
$416,000
Condo 6 Month Term

Fix and flip condo on Clearwater Beach. Stormfield underwrote the condo association alongside the unit and funded acquisition and renovation costs with in-house draw management.

View Transaction
Naples, FL Fix & Flip
$430,500
Single Family 12 Month Term

Single-family acquisition and renovation in Naples, funded at a conservative ARV below the local median. Sponsor brought over a decade of commercial construction experience and nearly 20% equity at close.

View Transaction
See All Florida Deals Submit Your Deal
FAQ

Common Questions About Fix & Flip Loans in Florida

From Gulf-coast condos to luxury homes in Palm Beach, lender fit matters. The questions below cover both.

Will Stormfield fund a deal like mine in Florida?
Likely yes. Stormfield funds single family, condos, townhomes, and 2 to 4 unit fix and flip projects across Florida's coastal and metro markets, with closed deals from West Palm Beach and Miami Beach to Naples and Clearwater, on loans from the low six figures to several million. See Florida funded deals.
How much can I borrow, and how much cash do I bring?
Up to 92.5% of total project cost and 90% of the purchase price, which keeps more of your own capital free for the next deal. Final leverage depends on the project, the market, and your experience. Get an instant quote to see terms on your specific deal.
How fast can you close a fix and flip loan in Florida?
Typically 7 to 10 days, and faster when your file is ready. In Florida, where bank approvals run 45 to 60 days, that speed is often what wins the property. All underwriting and credit decisions are handled in-house with no third-party approvals.
How are my renovation draws handled?
The same in-house team that approves your loan funds your draws and services the loan through payoff. No loan sale, no handoff, no new contact when you are mid-renovation, and no draw freeze because a comparable sale moved while your kitchen was gutted.
Do you lend on Florida condos with the new inspection and assessment rules?
Selectively. Condo associations now carry real structural and special-assessment risk, so Stormfield underwrites the association alongside the unit. For projects where you control the building envelope, such as townhomes, villas, and single-family homes, Stormfield is often a strong fit. Contact the team to discuss your specific condo deal.
I'm a broker. Will you protect my client relationship?
Yes. Your client stays your client. Stormfield closes on time, keeps you in the loop directly throughout, and never cross-sells or resells the loan. Your reputation is safe on every deal you place with us.

Found your next Florida flip? Let's fund it.

Get an instant quote in minutes. No credit pull, no obligation. Or reach the team directly to walk through your deal.

Get an Instant Quote Talk to an Investment Associate