05/06/2025 — As large institutional lenders slow down real estate loan originations across Florida, nimble firms like Ridge Street Capital are stepping in to fill the financing gap. The tech-enabled private lender announced a major push into the Florida market this quarter, expanding its hard money loan offerings for real estate investors in high-demand metros like Miami, Orlando, and Jacksonville.
“Florida has seen a significant pullback in credit from traditional sources,” said Zach Cohen, Founder of Ridge Street Capital. “This creates a real opportunity for private lenders with the speed and flexibility to meet investor needs.”
With rising interest rates, tighter credit standards, and increased regulatory scrutiny, many institutional players have dialed back loan origination in residential investment lending. That’s left flippers, developers, and rental investors struggling to find reliable capital—especially for time-sensitive or unconventional deals.
Ridge Street Capital is addressing the gap with asset-based financing solutions including:
- Hard money loans in Miami for fix & flip and fix & refinance projects.
- Ground-up construction financing for new development across Florida
- Bridge loans with flexible terms and fast closings
- DSCR loans for long-term rental strategies and Airbnb investments
Unlike big banks and institutional lenders, Ridge Street Capital underwrites deals based on asset quality and exit strategy, not just borrower credit. The result: same-day term sheets, 5–10 day closings, and a hands-on team of investment-savvy underwriters.
“Florida remains one of the most active markets for real estate investors,” Cohen added. “We’re here to make sure they don’t miss opportunities because their lender can’t move fast enough.”
To learn more about Ridge Street Capital’s hard money loans in Miami or their broader Florida lending programs, visit RidgeStreetCapital.com.
About Ridge Street Capital
Ridge Street Capital is a private real estate lender providing fast, flexible capital to real estate investors across more than 30 states. With loan programs tailored for fix and flips, ground-up construction, and long-term rental strategies, the firm empowers investors to scale faster with fewer roadblocks.
