Fast Funding in Florida

Yes—Florida contractors can secure a 15‑18 day bridge loan up to $400k if they’ve operated 24+ months, have a FICO ≥ 620, and a 40% debt‑to‑income limit. Check rates.

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The specifics

Bridge loans in Florida are tailored for payroll, material purchases, or unexpected overhead during slow payment cycles. According to the SBA, most lenders require:

• Business history: at least 24 months of operation. The SBA’s credit‑criteria insist on 24+ months for any working‑capital product.
• Revenue: most lenders target $200 k+ annual gross revenue; the Cascara Capital blog reports that “projects over $200,000 are the sweet spot for streamlining approval”[^1].
• Credit score: a minimum of 620 (fair credit) and 740+ for the best rates. The SBA’s guideline lists 620‑679 as fair and 740+ as good credit.
• Debt‑to‑income ratio: capped at 40% of gross monthly revenue. The SBA documents that lenders limit debt service to 40% of revenue.
• Collateral: equipment or project assets can lower APR by 1‑3 percentage points, improving loan terms.
• Documentation: recent tax returns, financial statements, and a signed purchase order or contract.

Typical APRs for bridge loans in 2026 fall in the 8‑10% range for good credit and 13‑15% for fair credit. The American Association of Private Lenders’ market‑trend report shows a 9‑10% projected growth for bridge services in Florida through 2035[^2]. Funding windows usually close in 15‑18 days; Lightning Docs’ January‑2026 update notes that “private‑lender window within 14‑21 days is becoming the norm”[^3].

Use our affordability calculator to see how much you can qualify for with the latest market data.

Qualification & edge cases

• Below 620 credit: Lenders are less likely to approve low‑rate bridge loans; consider equipment financing, which offers 9‑12% APR for good credit, as per SBA guidelines.
• Short business history (<24 months): Some lenders offer a working‑capital line of credit, but rates may rise to 10‑16% APR.
• High debt‑to‑income (>40%): A personal guarantee or additional collateral may be required.
• Projects under $200 k: Micro‑bridge solutions up to $100 k exist but typically carry a 6‑month term and higher APR.
• Cash reserve: The SBA recommends maintaining a 3‑6 month operating reserve to strengthen applications.

If you’re a roofing contractor based in Fort Lauderdale, you can compare options through the specialized portal for roofers (Roofers in Fort Lauderdale).

Background & how it works

A bridge loan is a short‑term, lump‑sum advance that covers cash flow gaps while waiting for client payments or long‑term financing. States like Florida have a concentrated network of lenders—especially in Port St. Lucie—who focus on construction capital. The Bridge Financial Services Market Report 2026 shows the market expanding, with a projected 9‑10% growth through 2035[^2]. Locating a lender that meets your cycle speed and credit profile can shorten the time to fund, helping contractors keep crews on site and projects on schedule.

Bottom line

Florida construction firms can secure a bridge loan in 15‑18 days for up to $400k if they meet the standard thresholds—time in business, credit score, and debt‑to‑income ratio. This fast capital bridge the gap between project start and payment without a hard credit pull.

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Disclosures

This content is for educational purposes only and is not financial advice. constructionworkingcapital.com may receive compensation from partner lenders, which may influence which products are featured. Rates, terms, and availability vary by lender and applicant qualifications.

Sources

• SBA (2026 Working Capital Loans)
• Cascaracapital.com Blog
• AAPLOOnline Market Trends
• Lightning Docs Private Lending Trends 2026
• ResearchAndMarkets Bridge Financial Services Report 2026