Tampa Hard Money Lender

Partner with a private lender who knows the Tampa market inside and out.

Tampa Bay Times

What Our Clients Say

Danny and team were timely and professional. Highly recommend, got us out of a sticky situation with another lender and made it happen with 48 hours on the clock. Seamless process.

Jared Russell

We’ve had numerous positive experiences with SEP Capital. They execute the plan, do what they say they will and deliver on-time results. Kelsey is an absolute delight to work with!

Rebekah Gimenez

SEP Capital is legit. I’ve worked with a lot of lenders over the years, and these guys are hands down one of the best. They move fast, they know what they’re doing, and they don’t play games.

Mike Hendzel

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Our Tampa Hard Money Loan Programs

Fix & Flip / Fix Rent (BRRR)

For investors who purchase properties to rehab and resell quickly or refinance and hold as rentals.

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No Doc Loans

No Doc Loans streamline approvals, removing credit and income checks.

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Cross-Collateral Loans

A single loan that uses multiple properties as collateral to reduce or eliminate down payment requirements.

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Cash-Out Refinance

For investors looking to tap into the equity in currently owned property.

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Commercial Bridge Loans

For investors looking to purchase, renovate, or refinance commercial properties.

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Non-Recourse Loans

Non-Recourse Loans help investors acquire the funds they need without a personal guarantee.

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Bridge Loans

For investors in need of immediate funding for an acquisition or to bridge gaps until a sale or refinance.

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Tampa Hard Money Loan FAQs

Maybe. We determine value in several different ways: 1) appraisal from a licensed appraiser; 2) appraisal from real estate broker (Broker Price Opinion); and/or 3) internal appraisal by our underwriting team. You will be charged up-front for our valuation of the property and we will obtain the type of appraisal that best allows us to determine value. Once we receive the valuation report and ensure a clear title, we are ready to close within 1 business day.

One of the biggest advantages of working with a private lender like SEP Capital is SPEED. Approvals are usually given same-day and settlements can happen in just a few days depending on the project. Our team is well-equipped to handle urgent requests. In rush situations, we’re dedicated to expediting our lending process to accommodate your timeline. 

We are currently lending throughout the state of Florida.

Yes, but only on a refinance (no new purchases) and the cash withdrawn must be used for a business purpose. For example, we can lend on a primary residence if you need to tap into the equity in your primary to buy a new rental property. Another scenario where we could lend on a primary would be if you are a business owner and need to access the equity in your primary residence to purchase inventory. We cannot lend on a primary if the funds will be used for a consumer purchase – like fixing up your primary or paying off debt. Be sure to ask us as each situation is unique.

Your approval is not contingent on your credit score. While we do take credit into consideration, it is not the sole determining factor for us. We regularly fund loans for great clients with not so great credit scores.

Not necessarily. While we may look at bank statements and/or cash reserves, we typically do not need to see personal income statements or tax returns. We do offer a No-Doc loan where you can qualify without providing any credit or income verification. Find out more about that loan product here No-Doc

We primarily lend on investment residential and small balance commercial properties.

Like most private lenders, we typically prefer borrowers to have some “skin in the game.” This is to ensure a certain level of personal investment to demonstrate commitment and mitigate risk. If providing personal cash isn’t feasible for you, an alternative approach could be exploring the option of cross-collateralization, which would involve using the equity from one property to secure the loan for another.

No, most of our loans will have a 3 month interest guarantee but none will have a prepayment penalty.

No, our loans usually follow an interest-only payment structure. You pay only the interest monthly with a balloon payment at the end of the term.

We typically make lending decisions based on the appraised value of the property. If the property is being renovated we base it on the ARV (After Repair Value).

Sometimes – In most cases closing costs are not rolled into the loan, however if you are utilizing our cross-collateral loan product you can roll those costs into the loan, assuming there is enough equity.

To get started, all you need to do is fill out our quick Loan Application. Once submitted, someone from our office will review your application immediately, then if documents are required, will reach out to you to collect them.

No. As long as your deal meets our lending criteria, you will have no problem getting a loan from us, regardless of how many properties you already have.

Yes, however this may depend on your circumstances. Generally, as long as our loan is in first position and the LTV (Loan to Value) is low, we give you the freedom to put the deal together in any way that serves you best. 

Sometimes. We will want to understand the foreclosure and the clients circumstances, but again, with enough equity we can get any deal done.

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.

Our founder, Daniel Paloscio, is a frequent guest on real estate, investing and local Tampa-area podcasts. You can find more in our Podcast Gallery.

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 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 >

More Recently Funded Deals >>

Your Free 9-Point Checklist for Nailing ARV on Tampa Fix and Flips - SEP Capital
Your Free 9-Point Checklist for Nailing your ARV on Your Next Tampa Fix and Flip

The difference between a profitable flip and a financial disaster often comes down to one number. Your After Repair Value, or ARV. Get it wrong, and you’re looking at months of holding costs eating away at profits that never existed in the first place.
Read more >

Tips For Maximizing Your Tampa Fix and Flip Investment - SEP Capital
4 Easy Tips For Maximizing Your Next Fix and Flip in Tampa

From understanding the Tampa market and neighborhoods like Seminole Heights, Ybor and West Tampa to finding the right property, rehabbing it for maximum ROI, and then marketing it to sell, we’ll help you squeeze every last cent out of your next Tampa flip.
Read more >

What Is A Bridge Loan And Why Use One In Tampa
What Is A Bridge Loan and How Can I Get One In Tampa?

A bridge loan is short-term financing that helps cover immediate cash flow needs during the transition between two properties. These loans are typically used to settle the purchase of a new property while an existing one is being sold. Here’s what you need to know about the benefits of using a bridge loan in the Tampa area.
Read more >

More Tampa Real Estate Investing Articles >>

About SEP Capital

Tampa Hard Money Lender

SEP Capital is a Tampa 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.