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AI Lender Match helps business owners, investors, and sponsors identify lenders that fit their deal profile without wasting weeks on cold outreach. Get a smarter starting point for acquisitions, commercial real estate, trade finance, and structured debt transactions.
Florida has no shortage of construction capital. Regional banks, national real estate lenders and private builders' lenders all compete for projects from Miami to Jacksonville. The hard part is not finding a lender. It is finding the one whose loan size, asset type, leverage and sponsor criteria actually fit your project before you spend months on the wrong conversations.
Below are ten construction lenders active in Florida, what each is best for, and how Financely's AI Lender Match narrows the field to the lenders most likely to say yes.
| Lender | Type | Best for |
|---|---|---|
| Bank OZK | Bank | Large ground-up towers and mixed-use |
| Synovus | Bank | Mid-size income-producing projects |
| City National Bank of Florida | Bank | Miami-based multifamily and commercial developers |
| Seacoast Bank | Bank | Florida developers wanting local decisions |
| Amerant Bank | Bank | Experienced South Florida developers |
| Valley Bank | Bank | Retail, site work and construction-to-perm |
| Lima One Capital | Private lender | Build-to-rent and single-family communities |
| LendingOne | Private lender | Investor-builders on smaller ground-up deals |
| Anchor Loans | Private lender | Fast closings on residential construction |
| New Silver | Private lender | Smaller residential builds |
Lenders appear in no particular order of preference. Programs, sizes and leverage change often, so confirm current terms directly with each lender. For a national view, see our list of the top 20 commercial real estate construction lenders.
Best for large ground-up towers and mixed-use
Bank OZK's Real Estate Specialties Group is one of the most active construction lenders in South Florida, financing condominium, rental and mixed-use towers. In 2024 it provided a USD 181 million construction loan for a 399-unit mixed-use tower at 2600 Biscayne Boulevard in Miami's Edgewater neighborhood. It suits experienced sponsors with meaningful equity, strong pre-leasing or presales and large institutional-scale projects.
Best for mid-size income-producing projects
Synovus's commercial real estate group offers construction, mini-perm and term loans for multifamily, industrial, office, retail and hospitality, with funding typically in the USD 10 million to 75 million range and larger loans handled through its syndications team. It has wholesale real estate bankers covering Florida and hedging available through swaps, caps and collars.
Best for Miami-based multifamily and commercial developers
City National Bank of Florida's commercial real estate lending focuses on non-owner-occupied commercial and multifamily property in Florida, with loan sizes typically between USD 5 million and 50 million. It offers development and mini-permanent financing, a dedicated affordable housing program, and acquisition, development and construction financing for multi-unit residential projects.
Best for Florida developers wanting local decisions
Stuart-based Seacoast Bank offers commercial construction loans covering land acquisition and site work through vertical construction and lease-up. Its target projects include retail centers, industrial and distribution facilities, medical buildings, office, mixed-use, apartments and townhome communities, with customised draw schedules and local credit decisions.
Best for experienced South Florida developers
Coral Gables-based Amerant Bank provides short-term construction loans for commercial real estate projects, with interest-only payments during construction and a construction-to-permanent option that combines land, build and permanent financing in one loan. Decisions are made locally.
Best for retail, site work and construction-to-perm
Valley Bank lends on commercial real estate across Florida. In May 2026 it closed USD 21 million for retail development in Port St. Lucie, including site work for three big-box parcels and a construction and permanent loan for a wholesale club. It fits sponsors who want one bank from horizontal work through stabilisation.
Best for build-to-rent and single-family communities
Lima One lends across Florida on ground-up construction, heavy rehab, rental and multifamily bridge loans, and has funded deals in the Miami, Tampa, Orlando and Jacksonville metros. It is a common choice for build-to-rent and single-family rental community developers.
Best for investor-builders on smaller ground-up deals
LendingOne's new construction loans offer 12 to 24 month terms for investors, builders and developers, with high loan-to-cost, no reserves collected at closing and no interest charged on undrawn construction funds.
Best for fast closings on residential construction
Anchor Loans offers ground-up construction in Florida alongside land acquisition and development, bridge, multifamily value-add and rental loans. It advertises loan-to-cost up to 85% and closings in as little as five business days.
Best for smaller residential builds
New Silver's Florida construction loans cover 1 to 4 unit homes, condos and townhomes from USD 100,000 to USD 5 million, on 18 month interest-only terms with leverage up to 90% of cost and 75% of after-repair value.
Every lender above is credible, and every one of them declines most of the deals it sees. A bank that lends on 300-unit towers will not look at a six-home build. A private lender offering 85% of cost will price that leverage accordingly. A lender with a full Florida multifamily book may pause new commitments in the same asset class for a quarter without telling anyone.
Criteria change faster than websites. Published ranges tell you what a lender can do, not what its credit committee wants this quarter.
Wrong-fit applications cost time. Each one means a new package, a new call and weeks of waiting for a no.
Shopping a deal hurts it. Lenders talk, and a project seen by too many desks starts to look like one nobody wants.
Financely's AI Lender Match for commercial real estate filters your project against the criteria lenders actually apply, drawing on a network of more than 12,700 verified capital providers, from Florida regional banks to national debt funds and private construction lenders.
Asset type, loan size, total cost, leverage, location and timing, so a USD 4 million townhome build and a USD 90 million mixed-use tower reach different lenders.
Track record, liquidity, net worth and equity in the deal, matched against what each lender requires of a sponsor.
Senior construction debt, construction-to-perm, mezzanine or preferred equity to close a gap. Our guide to senior construction loans, mezzanine and equity explains how these fit together.
Which lenders are actively closing your asset class and loan size now, not what they published two years ago.
The result is a short list of lenders with a real reason to engage, and a cleaner first approach. See how we arranged a bridge-to-perm loan for a Florida construction project, or read more on ground-up construction financing in Florida, Texas and California.
A match only helps if the package holds up. Florida construction lenders expect a detailed hard and soft cost budget with contingency, a signed or near-final general contractor agreement, plans and permits status, an appraisal or market study, a sources and uses, sponsor financial statements and track record, and evidence of equity. Depending on the lender, they may also want completion and cost overrun guarantees. If your file is not there yet, our Lender-Ready Package prepares it before the first lender sees it.
Tell us about your project, the loan size and your timeline. We will run it through AI Lender Match and tell you which lenders are worth approaching.
Bank OZK, Synovus, City National Bank of Florida, Seacoast Bank, Amerant Bank and Valley Bank are among the most active bank construction lenders in Florida, while Lima One, LendingOne, Anchor Loans and New Silver serve smaller residential and investor builds.
Banks typically lend a lower share of total cost and expect more sponsor equity than private lenders, who may advertise loan-to-cost of 85% or higher at a higher cost. The final figure depends on the asset, sponsor experience, presales or pre-leasing and the strength of the budget.
Applying to lenders whose criteria do not fit your deal wastes time and can make the project look shopped. It is better to identify the lenders whose loan size, asset type, leverage and location appetite match the project and approach them with a complete package.
AI Lender Match is Financely's service that filters a deal against lender criteria such as asset type, loan size, leverage, location, sponsor profile and use of funds, so borrowers approach the lenders most likely to fit rather than working through generic lists.
No. Financely is an advisor and arranger. It helps borrowers identify suitable lenders, prepare the credit package and run the process, and the borrower closes directly with the lender.
This article is for general information only and does not constitute legal, tax or investment advice. Lender descriptions are based on publicly available information at the time of writing, are not endorsements, and may change. Financely is not affiliated with any lender listed. Financely is an advisory and arranging firm, not a lender or broker-dealer. Any financing is subject to the lender's underwriting, due diligence, credit approval, documentation and conditions precedent, and no outcome or timeline is guaranteed.
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