New Wave Loans is a Florida-based licensed hard money lender originating commercial and residential property real estate loans

We pride ourselves in establishing direct relationships with our clients and customizing loan solutions that meet their lending needs.


We service our loans in-house. New Wave Loans has a servicing endorsement which allows us to service our own extensive portfolio.
Greatly accelerating the payoff request process and implementing personalized, relationship-based customer service for the life of your loan
in successful transactions in the past four years

$32 MILLION LOAN
FORT LAUDERDALE
COMMERCIAL
As Florida’s Leading Commercial Real Estate Hard Money Lender, New Wave offered a comprehensive asset-based loan to this valued client.

$27 MILLION LOAN
MIAMI
CONSTRUCTION
Customer sought private mortgage investors and lenders for ground-up construction. New Wave Loans closed the transaction in record time.

$25 MILLION LOAN
DORAL
COMMERCIAL
Customer requested Asset-Based Loan Underwriting. Worked with Hard Money Broker to close within 20-day borrower-imposed time limit.
Private Loans for Real Estate Investors
Who are the Best Hard Money Lenders in Miami?
Ask your potential lender to show you recent transactions that they have funded and don’t just take their word for it, ask for a link to the recorded documents.
Many companies advertise themselves as Lenders but they are really just brokering deals and adding on fees. Investors should take their time researching potential lenders to make sure they are what they claim to be.
Quick Pre-Approval and Fast Closing
We normally approve applications within 24 to 48 hours and can close the loan within the same week
No Prepayment Penalty
New Wave Loans does not charge any prepayment penalties or minimum earned fees. Pay off your loan early or self-amortize the debt with no penalties.
Competitive Rates and Flexible Terms
Enjoy competitive private rates and low payments with interest-only loan payments
What is a Hard Money Loan?
Borrowers with limited experience, low credit scores, or insufficient reported income often have trouble obtaining credit from institutional sources. These investors often use hard money financing to purchase real estate.
How Can You Get a Hard Money Loan in Miami, FL?
When applying for a hard money loan in Miami, Florida, you’ll need to complete some basic paperwork and provide deal related documentation. Borrower identification and organizational documents will be required, but the main emphasis is on the underlying asset value. Your real estate experience and overall financial strength are the other critical factors determining whether you’ll qualify for the hard money loan.
Hard Loan Programs in Miami, Florida
Fix and Flip Loans Miami
Finance your next fix and flip property with New Wave Loans.
Rental Property Loans Miami
Apply for a rental property loan today and see our competitive rates with interest only payments.
New Construction Loans Miami
New Wave Loans provides aggressive Residential Construction loans and Commercial Construction loans in Miami.
Construction Top Off Loans
Stalled construction projects are notoriously difficult to finance. New Wave Loans has a dedicated construction management staff that understands the complexities of these projects and has the best top-off Construction Loan program in Miami.
Commercial Hard Money Miami
Buy or refinance your commercial property with flexible hard money loans Miami. New Wave Loans deals with all types of Miami Commercial Real Estate including Hospitality Loans, Condo Inventory Loans, Land Loans, and condo association loans.
Condominium Association Loans Miami
New Wave Loans specialized in Condo association loans and HOA Loans. These loans are unique and underserved by today’s alternative lenders. Call now to discuss our products for your association.
Why Are We the Best Private Money Lenders in Miami
After years of working with different investors and helping them meet their financing needs, we have become adept at understanding the client’ss unique needs and supporting them in their investment projects. Speed, convenience, and flexibility are some of our key attributes.
Our Other Service Areas
FAQ
WHAT ARE THE TYPICAL HARD MONEY LOAN TERMS?
CAN I QUALIFY FOR A COMMERCIAL LOAN WITH A POOR CREDIT SCORE?
Can foreign nationals qualify for hard money loans?
Do hard money loans have an origination fee?
Can hard money lenders fund all types of properties in Miami?

COMMERCIAL BORROWERS
We seek to make loans of $200,000 or more on commercial assets with material equity build-up and/or potential for production of income. We normally produce a term sheet within 48 hours.

RESIDENTIAL BORROWERS
We are a fully licensed lender on purchases and refinancings of residential real estate. Our focus is on second homes and investment properties, a space where we offer competitive rates to quality borrowers.
New Wave Loans funds and retains its loans on its balance sheet. As such, we can be more flexible than competitors who syndicate, sell and/or lever their loans.