Hard Money & Private Lending · Fort Lauderdale, FL
Hard money loans for real estate investors
Fix-and-flip, bridge and ground-up construction financing on 1–4 unit investment property. Up to 90% of purchase and 100% of rehab, with closings in as little as 7–10 days.
- Bridge and hard money closings in as little as 7–10 days
- No-income-doc programs on select deals
- One consultant, in-house underwriting, no runaround
Get Your Financing Quote
Tell us about your deal
Question 1 of 8
What do you need financed?
Business-purpose loans to entities only; not for owner-occupied properties. All loans subject to underwriting and lender approval. Terms vary by lender and program.
The Problem
Good deals don't wait for slow banks.
Banks want two years of tax returns, take 45+ days, and kill deals that actually make sense on paper. By the time conventional underwriting finishes, the property is gone — and so is your margin.
Loan Programs
Built for investors, not W-2 buyers
Program ranges reflect current terms across our hard money programs and capital partners and are not a commitment to lend. All loans are subject to underwriting, valuation and final approval. Business-purpose and investment property only.
Hard Money
Fix-to-Rent
Purchase and renovation with a planned refinance into a long-term rental loan.
Request a term sheetGround-Up Construction
Draw-based financing for new builds, from dirt to certificate of occupancy.
Request a term sheetRental & Commercial
How It Works
From quote to close in three steps
Tell us about your deal
A 60-second form captures your state, loan type and amount — no tax returns.
We shop the lender network
A consultant reviews your deal and matches it to the right program or lender.
Receive options and close
You get term options and move to close with one point of contact start to finish.
Why Monteloro
Specialists in deals that don't fit conventional underwriting
Monteloro Capital provides hard money and private lending programs for real estate investors. Every file is underwritten in-house by a lending professional with 30 years of experience and handled by one point of contact from application through closing. When a deal falls outside our programs, we arrange financing through our network of institutional and private lenders.
- Institutional Capital Partners: Hard money programs backed by institutional capital, with a lender network for rental, commercial and business financing.
- In-House Underwriting: Decisions from an underwriter with 30 years of lending experience, not a call center.
Vincenzo Pichardo
Founder, Monteloro Capital
"Monteloro Capital's hard money programs are built for investors who need speed and leverage. When a deal calls for something else, I place it with the lender whose program actually fits, rather than forcing your file into a single box."
Closed Deals
A selection of transactions arranged and closed by Monteloro Capital.
Common Questions
Straight answers before you ask
Have a Deal on the Table? Let's Get It Funded.
One form. One consultant. Hard money programs and a lender network ready to move.