West Palm's downtown boom has pushed investor attention into Northwood, Flamingo Park and beyond — historic stock, real spreads, and a market that rewards speed.
FFC Lending arranges fast, flexible financing for West Palm Beach real-estate investors and business owners — fix & flip, ground-up construction, bridge, DSCR rental loans, and working capital from $75K to $5M.
West Palm Beach has a large stock of 1920s through 1950s homes in neighborhoods like Flamingo Park, El Cid, Grandview Heights and Northwood, and a growing downtown with condos and new construction. Investors here renovate older homes, convert small multifamily properties, and build on infill lots.
Several of those neighborhoods are city historic districts, where exterior changes generally need historic-preservation approval before work starts. That doesn't stop a project, but it adds time, and time matters on a short-term rehab loan. We size the loan term around your approval and construction timeline so you're not up against a maturity date mid-project.
Our office is in Miami Lakes, but we lend across Palm Beach County and handle most of the process by phone, email and e-signature, in English or Spanish.
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 →Our hard money, bridge, construction, DSCR and working-capital programs are business-purpose only — for investment properties and business needs, not a home you live in. If you're buying a home to live in, FFC also arranges FHA and conventional home loans for eligible owner-occupied buyers, reviewed by a licensed loan originator.
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 #2896990) that arranges financing through vetted lender partners — which is why we can match your deal to the program that actually fits it.
It can affect the timeline. Exterior changes in West Palm Beach's historic districts generally need historic-preservation approval before work starts, so build that time into your budget. Tell us early and we'll size the loan term accordingly.
No. Our office is in Miami Lakes, but we lend across Palm Beach County and handle most of the process by phone, email and e-signature, in English or Spanish.