Banks Turned You Down?

We Can Help.

At Shop Commercial Mortgage our niche is focusing on Florida commercial loans, financing, bridge loans, and Hard Money loans. We offer the largest wholesale portfolio of investors, sub-prime, Alt-A, and institutional money that is available in commercial investing today.



Hard Money Loans

Commercial Loans

Florida Commercial Hard Money Financing

The commercial loan market in the United States is growing …

Florida Small Balance Commercial Loan

Florida real estate investors may find small-balance commercial properties a good investment in today’s economic climate. One example of a small-balance property would be a multi-family unit with five or more living areas. Four or less is considered residential, so perhaps you are already investing in multi-family units. Shop Commercial Mortgage can help you get established in small-balance commercial property investing.

Commercial Hard Money

Commercial hard money loans are secured with property equity, making credit checks and extensive financial examinations unnecessary. This makes hard money a perfect fit for self-employed borrowers, property owners with less than perfect credit, or any commercial borrowers looking for a fast source of cash for property improvements or business expansions.

Florida Commercial Building

Florida continues to see an increase in commercial apartment building construction and ownership. Many of these owners may need cash for improvements or to pay off debts but are unable to obtain conventional loans. This is where Shop Commercial Mortgage can help. We can supply funds to any apartment owner who has a building that is mortgage-free or has a small remaining balance.

Florida Commercial Land Loans

Shop Commercial Mortgage’s investor network is looking to supply loans to owners of free and clear commercial property in Florida. The property must be zoned commercial, although our investors will also consider rural properties on a case-by-case basis. Our goal is to offer loans to landowners who need cash available from the equity in their land.

Florida Storage Unit Commercial Loans

Shop Commercial Mortgage can help Florida self-storage owners with cash-out loans they can’t get from conventional lenders. Self-storage units have increased in popularity with an estimated 25% growth in the last few years here in Florida. The owners of these facilities need cash to maintain them or perhaps for expansion. Put the accumulated equity to work with a cash-out loan from SCM.

Ft Lauderdale Commercial Private and Hard Money Loan Programs

Shop Commercial Mortgage specializes in commercial private and hard money lending in Ft. Lauderdale. We can provide financing on free and clear or small-balance commercial properties and real estate valued from $50K to $5M. If you have been turned down by the banks or can’t wait weeks for an approval that may never come, use Shop Commercial Mortgage for your next loan and get your answer in 24 to 48 hours!

Golf Course Loans

With its many retirement communities and a large influx of visitors and snowbirds, Florida has more golf courses than any other state. Shop Commercial Mortgage wants to help owners pull cash out of their investment in small, medium, or premier golf courses. We can treat your golf course investment like a land loan. Your golf course has buildings, a clubhouse, maintenance equipment, and employees needing to be paid which all require ongoing cash flow. Let SCM help you retrieve some of the accumulated equity in your course.

Hotels and Motels

Shop Commercial Mortgage is very interested in equity-based lending for hotels and motels in the state of Florida. As a major tourist destination, Florida has more hotels and motels than any other state and many of those businesses need cash for maintenance or expansion. Shop Commercial Mortgage can make that happen with our Gold Commercial hard or private money loans.

Commercial Loan Criteria

Shop Commercial Mortgage offers commercial hard money loans in as little as two weeks once we obtain your documentation. We use your equity in a free and clear or very low balance mortgaged commercial property. We charge no upfront or site visit fees; the only fee you may need to pay is from your property appraiser.

Premier Land Loan

Shop Commercial Mortgage (SCM) is Florida’s premier private and hard money land loan source. There are few commercial lenders who want to deal with land loans, but SCM can quickly and conveniently close your loan for commercial, rural, development, waterfront, and downtown commercial land. This is our specialty and we make private or hard money land loans easy for you. Our investors will typically loan 50-55% of the land’s value if you have a free and clear property with no mortgage or other encumbrances. Most loans can be closed within 30 days. Here are some specifics on our premier land loan program:

Sarasota Commercial Hard Money Loans

Shop Commercial Mortgage is your source for commercial hard money loan if your business is in Sarasota, Venice, Osprey, Anna Maria, Bradenton, or Siesta Key. If you have a free and clear commercial property or one with a small mortgage balance we can supply needed funding now to keep your business open or to start renovations. There are no bank hassles or complicated underwriting rules when you work with Shop Commercial Mortgage.

Strip Center

Strip centers in Florida continue to be popular as the state continues to gain residents and visitors, with data showing strip center growth of 15-20% over the last seven years. Large malls are less popular as residents want goods and services close to home. This growth means that strip center owners need cash for upgrades, maintenance, and other uses. Shop Commercial Mortgage can help with our strip center financing program.

Types of Commercial Hard Money Investing

Shop Commercial Mortgage is interested in working with commercial investors by offering a variety of hard money loans. We can offer different loans based on the needs of our clients. We will use the term “hard money” to describe loans from our private investor network.


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Commercial Loan Criteria

Learn more about the various loan criteria we have for financing commercial purchase & refinance deals in your area.

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Who We Are

We specialize in Commercial Money Refinance and Purchase Programs for Direct Clients, Hard Money investors, Realtors, and Investors.

Our commercial loan and mortgage software platform focuses on small-balance and mid-size commercial Loan Programs. At Shop Commercial Mortgage we offer underwriting that makes sense, no upfront fees, quick closing times, and clients the banks have turned down. Over one trillion dollars in commercial mortgage loans are coming due, and many banks won’t refinance existing commercial loans. We are filling the commercial void and can provide financing to clients the banks ignore in Orlando, Jacksonville, Ft Lauderdale, Naples, and Tampa surrounding area.


Working With

Shop Commercial Mortgage

• We’ll help you get more endorsements

• You will close more loans with SCM

• All credit types accepted

• We eliminate roadblocks & offer financial solutions

• 150 years of hard money experience

• Taylor-made loan programs case by case

• Fast, easy, responsive, & world-class service

• We specialize in self-employed borrowers

• When time is of the essence, we listen

• Help clients seize business opportunities using their equity


Commerical Loan


• $50K – $10M | up to 75% LTV

• Fast Closings

• Short Term Bridge Financing

• 21 Day Commercial Closings

• Terms: 1, 3, 5, 7, 10 Years

• Self-Employed Borrowers

• Rates from 8%-12%

• Creative Financing

• Financier Always Protected

• Hassle Free Loan Process