The capital behind your next Miami deal — without the bank's runaround.
Fernandez Financial Capital arranges financing for real estate investors, qualified homeowners, and business owners.
See if you qualify
Three quick questions. This quiz doesn't pull your credit, collect contact info, or create any obligation, just a straight answer.
Informational only — this is not an offer, approval, pre-approval, or commitment to lend. Investor and business financing is business-purpose; all financing is subject to full underwriting, program guidelines, and lender-partner review.
Every program FFC offers, in one place
From the next flip to long-term rentals to capital for your business — here's the full lineup with real terms.
FHA Home Loan
A home-financing option for eligible owner-occupied purchases, reviewed with a licensed loan originator.
- Occupancy
- Eligible primary residence
- Review
- Property, income, assets & credit
- Next step
- Complete mortgage review
Conventional Home Loan
Mortgage financing for eligible owner-occupied purchases, tailored to the borrower, property, and lender guidelines.
- Occupancy
- Eligible primary residence
- Review
- Borrower, property, income, assets & credit
- Next step
- Complete mortgage review
Fix & Flip
Buy, renovate, and sell — financing for the purchase and the rehab.
- Leverage
- Up to 85% LTC · 100% build · 70% ARV
- Term
- 12 or 18 mo · interest only
- Properties
- 1–4 units & multifamily
Ground-Up Construction
Finance new construction from the dirt up.
- Leverage
- 75% LTV · up to 80% LTC · 100% build · 70% LTARV
- Term
- 12 or 18 mo · interest only
- Properties
- 1–4 units
Bridge Loan
Short-term capital to buy, refinance, or pull cash out fast.
- Leverage
- Up to 75% LTV · 65% cash-out
- Term
- 12 or 24 mo · interest only
- Properties
- 1–4, multifamily, condos, PUD
Investment & Rental Properties
Qualify on the property's cash flow — not your tax returns.
- Leverage
- Up to 80% LTV purchase · 75% refi
- Term
- 30-year fixed
- Borrower
- Individual or entity
Merchant Cash Advance
A lump sum today in exchange for a set portion of future sales.
- Based on
- Revenue, not just credit
- Repayment
- Flexes with your sales
- Speed
- As fast as 1–2 business days
Business Line of Credit
Revolving capital you can draw on whenever you need it.
- Access
- Draw only what you need
- Cost
- Pay only for what you use
- Reusable
- Replenishes as you repay
- Best for
- Cash-flow gaps & inventory
LTC loan-to-cost · LTV loan-to-value · ARV after-repair value · LTARV loan-to-after-repair-value · DSCR debt-service coverage ratio
From inquiry to funded in three steps
Tell me about your deal
Fill out the short form below — your project, the property or business, and the amount you're after.
Get matched to a program
I review it and walk you through the programs that fit — in plain English or Spanish — with the real terms before you commit.
Get funded
Once approved through underwriting, we move quickly to close so you don't lose the deal.
Real people. Real answers. Hablamos español.
We're a small Miami Lakes team — when you call FFC you talk to one of us, not a call center. Put a face to the voice.
Armando Mon
Need a truck, not a property? We finance those too.
Class 7 & 8 semis and box trucks — new or used, nationwide, first-time buyers welcome. Our Fleet division has its own fast application and a bilingual advisor.
Tell me about your deal
Whether it's your next flip, a rental refinance, or capital for your business — give me the basics and I'll reach out personally to match you to the right program.
- Free consultation · no obligation
- English or Spanish — your choice
- Investor-friendly · business-purpose lending
Request your free consultation
Takes about 60 seconds.Got it — Juan will reach out shortly.
Meanwhile, having your basics ready helps us move fast — your entity info (if any) and the property or business details behind your request.
No impact to your credit to get started. · Hablamos español.