The Gables is a premium renovation market — Mediterranean estates, strict permitting, and buyers who pay for finished quality. Rehab budgets are bigger here, and so are the spreads for investors who execute.
FFC Lending arranges fast, flexible financing for Coral Gables real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
Acquisition + rehab capital — up to 85% LTC, 100% of the build, 70% ARV.
See program details →Finance new builds from the dirt up — 12 or 18 months, interest only.
See program details →Qualify on the property's cash flow — 30-year fixed, no tax returns.
See program details →Working capital based on your revenue, not your credit score.
See program details →No. All FFC financing is business-purpose only — investment properties and business capital, never owner-occupied primary residences or personal, family, or household use.
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.
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.
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.