Ambition Lending — Hard Money Lender
Florida Hard Money Lender | Close in 5 Days | Ambition Lending
Florida’s real estate market spans Miami, Orlando, Tampa, Jacksonville, and beyond. Ambition Lending funds fix & flip, bridge, DSCR, and new construction loans across Florida with fast closings and no red tape.
Hard Money Loans done right
Fast Funding, Satisfaction Guaranteed
Competitive rates, flexible terms, and deal-first underwriting designed for Florida real estate investors.
About Us
Hard Money, Minus the Headaches
Florida’s combination of strong rental demand, tourism-driven short-term rental markets, and consistent population growth makes it one of the best states for real estate investment. Ambition Lending funds Florida investors from Miami to the Panhandle.
Sydney Kibuuka
Founder & CEO
Our Loan Programs
Our Loan Programs
Hard Money Loans
Fast, Flexible, and Common-Sense Hard Money Loans
Fix & Flip Loans
Loans to acquire and renovate residential properties to eventually sell
Up to 90% of purchase, up to 100% of rehab; interest-only; 6–18 months.
Bridge Loans
Close fast on acquisitions or refinance while you line up take-out. 75%LTV • 6–24 mo • No DSCR/Debt-to-Income (DTI) required
Multifamily Bridge
Light-to-heavy value-add, with rehab draws.
Case-by-case with draws.
New Construction
Spec builds and infill; staged draws; interest-only. Case-by-case with draws.
Land & Entitlements
Select markets; quick closings for shovel-ready plays.
Why Choose Us
The Best Choice for Florida Investors
HOW OUR PROCESS WORKS
AS EASY AS 1, 2, 3
Our Loan Products
FEATURED LOANS
Testimonials
What Florida Investors Say
Fix & Flip Investor
Ambition moved fast on my Miami opportunity and gave me a clear path from acquisition to exit. That speed made the deal possible.
Isabella Rodriguez,
Miami, FL
First-Time Investor
I’ve worked with a lot of lenders in Tampa and Ambition stands out for responsiveness. They kept the file moving and closed without surprises.
Brian Thompson,
Tampa, FL
Bridge Loan Client
For my Orlando project, Ambition focused on the deal fundamentals and funded quickly. It felt built for investors, not bureaucrats.
Keisha Brown,
Orlando, FL
Rental Portfolio Builder
“We’ve scaled from 2 rentals to 14 doors in just over a year, thanks to Ambition’s DSCR loans. They understood our cash-flow model and made the process painless compared to banks.”
Priya Patel,
Orlando, FL
New Construction Builder
“Traditional lenders wouldn’t touch our small infill project. Ambition not only funded it but set up a clear draw schedule that kept our subs paid on time. We broke ground within 3 weeks of our first call.”
James O’Connor,
Denver, CO
Repeat Borrower
“This is my fourth loan with Ambition. Every time, they’ve delivered exactly what they promised: fast funding, clear terms, and no surprises at closing.”
Elena Rodriguez
Los Angeles, CA
Blog & News
Insights From Loaner
When a BPO Beats an Appraisal in Hard Money Lending
When a BPO Beats an Appraisal in Hard Money Lending…
How to Use a Proof of Funds Letter to Win More Deals
How to Use a Proof of Funds Letter to Win…
Phase I Environmental Reports for Commercial Bridge Loans: When Investors Need Them
Phase I Environmental Reports for Commercial Bridge Loans: When Investors…
FAQs
Frequently Asked Questions
As fast as 3 days with a complete file
Yes, but we underwrite the asset and exit first.
Purchase contract, rehab budget/scope, comps, entity docs, ID, experience (if any).
From 8-12% and 2-4 points; final terms depend on deal, leverage, and experience.
Yes; up to [X]% of ARV (subject to appraisal/valuation).
Milestone-based; request → inspect → approve → fund.
Any prepayment penalties? — [Policy].
Yes, with solid scope, comps, and exit.
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