Luxury high-rise property in Florida at dusk

FLORIDA STATEWIDE LENDING

Private lending across all 67 Florida counties.

From the Panhandle to the Keys, Luminary funds real estate investors with fast, asset-based capital. Browse your county for local programs, market context, and loan-specific landing pages built around how Florida deals actually close.

No Credit Checks on Most Programs
100% Asset Based Lending
Limited Income Documentation
Fundings in as Little as 7 Days*
Up to 70% LTV on Cash-Out Refinances
No Experience Required for Ground-Up Construction
We Underwrite Our Own Deals
Direct Funding
Talk to a Decision-Maker on the First Call
Time-Sensitive Payoff Scenarios Considered
Only Serving the State of Florida

Florida Counties

Loan Products

STATEWIDE AUTHORITY

A Florida-built private lending platform — operating in every county.

Luminary Private Lending is built around the realities of Florida real estate. Title-aware underwriting, county-by-county market knowledge, and asset-based capital structured for investors who move faster than conventional banks can underwrite.

Asset-based discipline

Underwriting focused on the property, the equity, and a clear exit — never income-driven theater.

Florida-fast closings

Most files close in 5–10 business days. Rush files have funded in as few as 72 hours.

Capital that scales

From $100K bridge files to multi-million-dollar construction facilities — across every Florida market.

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.