Palm Beach County · Business-Purpose Lending

Hard Money & Private Lending in Boynton Beach, Florida

Boynton offers Palm Beach County's most workable price points for flips and rental conversions, with redevelopment momentum along its corridors.

FFC Lending arranges fast, flexible financing for Boynton Beach real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.

Local Miami Lakes team · Hablamos tu idioma · Real answers within 24 hours
What we fund in Boynton Beach

Six programs, one local team

Fix & Flip

Acquisition + rehab capital — up to 85% LTC, 100% of the build, 70% ARV.

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Ground-Up Construction

Finance new builds from the dirt up — 12 or 18 months, interest only.

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Bridge Loans

Short-term capital to buy, refinance, or pull cash out fast.

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Investment & Rental (DSCR)

Qualify on the property's cash flow — 30-year fixed, no tax returns.

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Merchant Cash Advance

Working capital based on your revenue, not your credit score.

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Business Line of Credit

Revolving capital you draw only when you need it.

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Why local matters

A South Florida team, not a national call center

  • We know the market. Our team lives and lends across Palm Beach County — we can talk about your Boynton Beach deal street by street.
  • Hablamos español. Every conversation, document walkthrough, and closing can happen in English or Spanish.
  • Speed built in. Days-to-weeks closings on property programs; working capital in as little as 1–2 business days.
  • Straight answers. A real person reviews your deal and responds — usually within one business day.
25+ years in business · $100M+ in client loans funded
Common questions
Do you lend on primary residences in Boynton Beach?

No. All FFC financing is business-purpose only — investment properties and business capital, never owner-occupied primary residences or personal, family, or household use.

What credit score do I need?

Property programs typically start at a 650–680 minimum FICO depending on the program. Revenue-based working capital qualifies on your business's sales history instead of your score.

How fast can a loan in Boynton Beach close?

Property loans are built to close in days-to-weeks, not months — timelines depend on title, insurance, and appraisal. Working capital can fund in as little as 1–2 business days.

Is FFC the lender?

Fernandez Financial Capital is a broker (NMLS #999812) that arranges financing through vetted lender partners — which is why we can match your deal to the program that actually fits it.

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