“Where Equity Means More Than Credit”

AFC is a family-owned direct hard money lender (not a broker) based in the Tampa Bay Area!

With more than 30 years of experience in equity-based lending, AFC specializes in financing for individuals and companies whose needs are not fully met by traditional banks.

Loan approvals have an emphasis on EQUITY not credit and income documentation. We have very quick response times and most conditional loan approvals are issued the same day as the loan submission.

AFC has been financing real estate investors, developers, business owners, and others for more than 20 years. We understand the specific problems and needs of private money lending. Our focuses is on borrowing alternatives for companies and individuals unable to qualify for normal bank financing. We’re a hard money lender that can find loans for those clients looking for quicker or more personalized considerations than a bank can give them.

Most often our loan clients have one or more of the following needs that we are able to solve.

  • Time Constraints – WE HAVE NONE
  • Most loans fund in 7-14 business days. In some cases, loans can fund in as few as 3 – 5 business days. – AFC SAYS YES
  • Credit / Income Issues- AFC SAYS YES
  • Other lenders have turned down loans due to poor or less than perfect credit, limited financial history, low debt service coverage ratio…etc.- AFC SAYS YES
  • Property Type Commercial Properties, Commercial Tracts of Land and residential property as well as vacant land- AFC SAYS YES
  • Investment Property Cash-Out Refinance- AFC SAYS YES
  • Investment Rehab Purchase- AFC SAYS YES
  • AFC does not make loans on owner-occupied 1-4 unit residential properties.