Fast & Reliable
Private Lending Solutions
Capital built for real estate investors. We help you close quickly, scale confidently, and unlock opportunities traditional banks miss.
Credit Score Not Required
We Evaluate the Opportunity, Not the Borrower
WHY LUMINARY
A lender that thinks like an investor.
Built by Florida real estate investors, for Florida real estate investors.
Fast and Flexible Approvals
Skip the long approval process you get from banks. We review your deal quickly, give you a real answer, and don't drag you through unnecessary delays. Most borrowers hear back within 24 hours and close in a matter of days.
Direct Lending and In-House Underwriting
We lend our own capital and underwrite every file in-house. Because we make the decision, you get straight answers, direct communication, and a clear path from application to funding. No committees, no middlemen.
Straightforward Process
Lending should be predictable. From the first call to closing day, you talk to the same people, get clear expectations, and know exactly where your file stands. No hidden fees, no last minute surprises, no runaround.
Investor First
We're real estate investors ourselves, so we understand what every deal needs. We structure financing around your strategy instead of forcing your deal into a rigid box. The goal is simple: help you close, protect your capital, and grow your portfolio.
OUR SERVICES
Loan programs for every strategy.
Bridge Loans
Short term capital to bridge the gap between buying and selling. Pull equity quickly, fund the next deal, or even stop a foreclosure. Real decisions from real lenders, so your project keeps moving.
Apply NowConstruction Financing
Ground up construction financing with draw schedules built around your build, not ours. We can roll closing costs and interest into the loan. No credit checks, and prior construction experience is not required.
Apply NowVacant Land Financing
Need to buy land or pull equity from land you already own? We offer flexible vacant land financing for investors and property owners throughout Florida.
Apply HereSecond Mortgages
Like the rate on your first mortgage but still need capital? A second mortgage lets you tap your equity without touching that low rate. Use the funds for your next investment, your business, or growth, and keep the financing you already have.
Apply HereTHE PROCESS
From application to wire in days.
Apply
Fill out the quick online application. Takes under five minutes.
Term Sheet
We send a term sheet built around your deal within 24 hours.
Underwrite
Focused diligence on the asset, with clear communication.
Close and Fund
Wire the funds and close in as little as five business days.
TESTIMONIALS
What investors say.
"I closed my fix & flip loan with Luminary in just 6 days from application to funding. Kevin and Luis treated my deal like it was their own investment, keeping me updated throughout the entire process and answering every question I had. Unlike other lenders who buried me in paperwork and delays, Luminary focused on the asset and got straight to work. Their communication, speed, and professionalism were second to none. I've worked with several private lenders across Florida, and Luminary has been by far the easiest and most reliable to work with. They do exactly what they say they're going to do, and that's rare in this business."
Marcus Rome
Real Estate Investor — Orlando
"Kevin and Luis helped me build my first investment property when no other lender wanted to work with a first time investor. Not only did they provide 100% construction financing, they also gave me money back at closing. The draw schedule was built around my project, and every draw funded within 24 hours. My general contractor was so impressed with their speed and professionalism that he started doing business with Luminary directly. They have the capital, they lend when the deal makes sense, and most importantly they move with speed, speed, speed."
Erik Rodriguez
First Time Ground Up Developer
"My bank backed out of a $2 million acquisition just days before closing, putting the entire deal at risk. I contacted Luminary and within a single phone call they understood the opportunity and provided a clear path forward. Their team moved quickly, completed underwriting efficiently, and delivered exactly when they said they would. What impressed me most was their ability to make decisions without unnecessary delays or endless committee approvals. Luminary didn't just fund a loan—they helped save a transaction that would have otherwise fallen apart. If you need certainty, speed, and direct access to decision-makers, they're the lender to call."
Daniel Belez
Developer — Miami
Testimonials reflect individual borrower experiences. Loan terms, timelines, and outcomes vary by transaction. Past results do not guarantee future outcomes. All financing is subject to underwriting review.
IMPORTANT LENDING NOTICE
Maximum loan amounts and lending parameters are subject to change and may vary from borrower to borrower based on the overall strength of the loan scenario.
Factors that may positively influence lending decisions include:
- A strong and clearly defined exit strategy
- A well-documented use of funds plan
- Existing lease agreements or documented property income
- Borrower experience, financial strength, and overall profile
- Property location and marketability
- Established relationships with returning borrowers and prior repayment history
While income documentation is not typically required, borrowers seeking loan amounts above standard lending limits may choose to provide additional financial documentation to support requests for higher leverage or more favorable terms.
All loan requests are reviewed on a case-by-case basis, and exceptions may be considered for qualified borrowers and strong collateral opportunities.
READY WHEN YOU ARE
Close your next deal in days, not weeks.
Talk to a Florida based lending specialist and get a real quote on your investment property today.