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Our Hard Money Loan Programs

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    Why SEP Capital?

    What Our Clients Say

    SEP Capital

    Based on 24 reviews

    5.0

    Karen Nieradka

    I had the pleasure of working with SEP Capital and I couldn’t be more impressed with my experience. Their team is awesome and very responsive and the process was smooth and transparent right from the get-go. If you’re looking for a reliable, trustworthy lender who understands the market, I highly recommend SEP Capital.

    Christine Smith

    Easy and straightforward. Looking forward to working with SEP again in the future.

    Jake Lavagnino

    We recently had the pleasure of working with SEP Capital to secure an investment lot, and the experience was nothing short of outstanding. From start to finish, the team at SEP Capital made what could have been a complicated and overwhelming process incredibly smooth and straightforward.

    First and foremost, their customer service was top-notch. The team was knowledgeable, approachable, and responsive to every question we had. They took the time to explain the entire investment process clearly, ensuring that we felt confident and well-informed every step of the way. Whether it was explaining market trends, investment options, or the logistics of the transaction, SEP Capital provided us with all the information we needed to make a sound decision.

    One of the standout aspects of our experience was how easy they made the entire process. There were no hidden fees, no confusing jargon—just a clear and transparent approach from start to finish. The team handled all the paperwork, negotiations, and legal details, leaving us free to focus on our investment goals without getting bogged down by the technicalities. Their attention to detail and thoroughness gave us peace of mind, knowing that everything was being handled professionally and efficiently.

    If you’re considering securing a real estate investment, SEP Capital is the partner you want by your side!

    Justin Peral

    I have used Sepcapital multiple times now and each time they have been great to work with. Daniel and his team are quick to respond, fast and efficient. I will never use another company for a bridge loan again!

    Martin Bosse

    If you want a truly passive RE investment platform for your SDIRA, SEP Capital will fill that need. Danny and Kelsey are true professionals in the way they handle and work with individual capital investors funds. Every opportunity is presented in a professional and straightforward format and any questions are answered quickly and accurately. I’m working exclusively with Danny and his team going forward.

    Ken Bosse

    Danny and his team are great to work with. They communicate well and often throughout the loan process. They also lay out your account information in detail which is better than I’ve seen elsewhere. I would recommend working with SEP Capital

    Chad Taniguchi

    Investing with SEP Capital has been very rewarding. They are honest, professional, and easy to work with. We look forward to future investment opportunities.

    Walter DeVenne

    Daniel and Kelsey at SEP Capital Are the best lenders in Florida! I’ve worked with them for several years and my title company refers them any chance we get!

    Stephen Danno

    As an investor, I highly commend SEP for their exceptional services. The investment process was efficient and straightforward, and most importantly, the communication from the SEP team was outstanding throughout. I look forward to partnering with them again in the near future.

    Harry Strick

    Daniel and the team have been great to work with! We highly recommend them.

    Lawrence Barnes

    This company did a great job in helping me get my loan closed. This deal had 7 days to close and they did a phenomenal job!

    Mayra

    I was referred to Sep Capital, by my agent, a very good company to work with, easy process and prompt closing. Daniel and Kelsey are always quick to answer any question you have,

    Lisa Joyner

    It has been such a pleasure working with SEP Capital. The response time has been fast, great customer service and a great program offering. I would highly recommend to anyone looking for a hard money loan.

    Christine Nicole

    Dominick Devivo

    Daniel and the team over at SEP Capital are always working diligently to provide the most exceptional experience to their clients. The communication and process is made simply without headache. I highly recommend connecting with SEP for any of your Capital needs.

    Joseph Young

    Excellent company to work with! Easy process – and have made closing deadline 100% of the time

    Mat & Kitty Assenmacher

    We had an outstanding experience working with SEP Capital. Daniel and Kelsey were exceptional – their communication was top-notch, they were quick to assist, offered competitive rates, and managed to close our deal in just 10 days. Their confidence and ability to deliver results make them a standout team in the real estate investing world. We highly recommend SEP Capital for anyone seeking seamless and efficient funding with a great team!

    Matias Lenk

    I’ve been working with SEP for several years, it’s always been a great experience. I highly recommend them.

    Erica Savoy

    I had a great experience with SEP Capital. The process was smooth and fast while closing on time. The communication was outstanding. I would be gladly to do more business in the future and referral others to them.

    Matthew Wirsing

    I have done numerous deals with them. Every deal has paid out as agreed, which is very important to me. Danny is always on top of any questions that I have and helping me place my funds in new investments quickly. I will continue to keep investing with them.

    Andrew Steffens

    Was looking for a good hard money lender in Tampa and was connected with SEP Capital through an agent. They were great to work with and I will definitely use them on future deals.

    Andre Trinidad

    What a please it has been working with SEP Capital! Such a smooth process from start to finish. Everything you need to know about your loan is available on their portal. Any questions I have are consistently replied to within 24 hours. Would highly recommend to anyone. Five stars top to bottom!

    Carlos Gonzalez

    I have been working with SEP Capital for a considerable period, and the experience has been nothing short of exceptional. This passive investment opportunity has proven to be a reliable source of income, thanks to the diligent efforts and expertise of Danny.

    Kyle Cole

    Great investment opportunities! I used to do hard money loans directly but SEP Capital offers close to the same rates with none of the headache. They really are a pleasure to work with.

    Recently Funded

    Tampa Hard Money Loans

    Recently funded Tampa fix and flip loan - june 2025

    Recently Funded Tampa Fix & Flip Loan For This Seasoned Investor

    We just closed another deal for a client who’s no stranger to the game. He’s a seasoned fix-and-flip investor, educator, and partner in a contracting company.

    The timeline was tight. But the deal made sense. And we got it done. Quickly and without asking for credit reports, income docs, or tax returns. Read more >

    Recently Funded Sarasota Bridge Loan - June 2025

    Most Lenders Wouldn’t Have Funded This Sarasota Bridge Loan

    Most lenders would have turned this deal away immediately. We didn’t. Our client needed a quick bridge loan to cover construction costs at his commercial property, but all of his equity was in his primary residence and his commercial property was tapped out. That’s where most lenders would have stopped – because nearly every lender refuses to do business-purpose loans against primary residences. Read more >

    Recently Funded Valrico Fix and Flip Loan - June 2025

    This Valrico Fix and Flip Loan Needed To Close ‘Like Yesterday’

    One of our clients – a fix & flip investor — picked up a solid off-market deal through a wholesaler. Short timeline, no contingencies, seller wanted it closed yesterday. Our client’s escrow was already on the line, and backing out wasn’t an option. He didn’t have time to go back and forth on income, submit tax returns, or wait around for someone to “review” his credit. He just needed a lender who could actually close. Read more >

    We Want To Fund Your Next

    Tampa Hard Money Loan

    Tampa Hard Money Loans from SEP Capital

    SEP Capital is a Tampa-based hard money lender founded in 2013, offering a full range of asset-backed loan products from fix & flip and no‑doc to commercial bridge and non‑recourse loans across the state of Florida. We prioritize speed, flexibility, and personalized service, managing all lending stages internally and leveraging our own funds.

    Real Estate Investor Resources

    Recent Media Appearances

    On The CG Real Estate Podcast with Carlos Gonzalez

    On this episode of the CG Real Estate Podcast, our founder and Tampa Bay private lender Daniel Paloscio shares his journey from flipping and wholesaling houses to running SEP Capital, a hard money and transactional funding company. He explains how transactional funding helps wholesalers close same-day deals without risking their assignments, why leverage is key to scaling as an investor, and how his team structures fast, asset-based loans for clients who need speed and flexibility. Daniel also discusses creative deal structuring, the benefits of protecting borrowers from bad deals, opportunities for passive investors to earn solid returns, and his long-term vision to grow SEP Capital’s loan portfolio to $150 million.

    On The Ridge Lending Group Podcast with Caeli Ridge

    In this live “Calling All Real Estate Investors” session, Ridge Lending Group’s Caeli Ridge interviews Tampa-based private lender Daniel Paloscio of SEP Capital. Daniel explains how his firm sources and underwrites high-yield, low-LTV private mortgages, offering passive investors a consistent 10% return while protecting capital through conservative lending standards. They discuss the co-investor model, borrower profiles, risk mitigation strategies, and why private notes can be one of the most passive and secure diversification tools in a real estate portfolio. The conversation also covers due diligence, loan structures, foreclosure safeguards, and how investors can participate directly in individual deals rather than through a pooled fund.

    On The Eat, Sleep, Invest Podcast with Bryan Driscoll

    In this episode of Eat Sleep Invest, our founder, Daniel Paloscio, breaks down the ins and outs of transactional funding – what it is, how it works, and why it’s often the fastest, cheapest option for wholesalers doing same-day double closings.

    He shares his path from flipping and wholesaling into hard money lending, explains his simple funding process, and discusses his property management business for short-term rentals in Florida. The conversation also touches on market quirks in states like New York and California, how to pre-qualify properties for management, and why operational experience as an investor gives him an edge when working with clients.

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