Miami-Dade County Hard Money Lender

Accolend lends money in Miami-Dade County every day. We fund fix and flip deals, bridge loans, ground-up construction, and DSCR rentals. If you’re waiting on cash, someone else is closing your deal right now. That’s why we built our lending process around three things: speed, certainty, and getting it done. Our goal is simple. Get you to the closing table in days, not weeks.

Miami-Dade moves fast. The county holds roughly 5,400 active single-family listings and 6.4 months of supply, a balanced market by most measures. But high-end demand keeps climbing. Sales above $1 million rose more than 21 percent year over year, and nearly a third of buyers pay cash. If you’re stuck waiting on financing, you’re losing ground. Flipping a bungalow in Little Havana? Buying a rental duplex in Hialeah? Breaking ground in Doral? We know these neighborhoods, and we fund deals in all of them.

Accolend is a true direct lender. We make every call in-house, from the first look to final funding. No outside committee. No warehouse partner slowing things down. That means clear talk and steady follow-through for Miami-Dade investors, deal after deal. Underwriting, closing, and servicing all happen under one roof. So approvals move fast, and deals don’t fall through the cracks. We also skip the rigid checklist. Our underwriters look at your real deal: the property, your plan, and how you’ll exit. Each one gets judged on its own.

What sets us apart:

• Speed & Certainty: Close in 7-15 business days. Underwriting and funding are all in-house.
• No-Points Loan Programs: Keep more cash at closing. Put it toward renovations, new deals, or growing your portfolio in Miami-Dade County.
• Investor-Focused Underwriting: We look at the asset, your strategy, and your upside, backed by real investment experience.

Accolend has funded over $1B+ across 1450+ deals nationwide. You don’t get that kind of track record overnight. It takes years of lending through every kind of market. In Miami-Dade County, we’ve funded fix and flip rehabs in Little Haiti, bridge loans for buyers in Kendall, and ground-up builds in Doral. That number isn’t just a stat on a page. It’s proof we’ve handled the tough scenarios and solved the problems that come with them, for investors just like you.

Our underwriting looks at your leverage, the scope of your renovation, and how liquid the market is, so your loan fits your actual timeline and exit plan. A lot of our Miami-Dade borrowers come back for a second, third, and fourth project. Why? Because the process works the same way every time. Do the job right, and investors trust you with the next one.

Getting funded is only part of the job. Every Accolend borrower gets a dedicated lending team. They walk you through underwriting, draw requests, and closing timelines. We don’t disappear once you’re approved. Our team stays with you from your first quote all the way through funding. You’ll always know what’s happening with your deal.

Maybe you’re flipping your first house in Homestead. Maybe you’ve built a dozen projects in Doral. Either way, our team knows Miami-Dade County and builds your loan around it. Log into our loan portal anytime. Track your deal, upload your documents, and see exactly where things stand. No guessing or waiting on a call back.

We lend in 40 states. That gives us the capital and the backing to fund your deal with confidence, even when the market gets shaky. That kind of scale means we move fast, no matter the size of the project. Maybe it’s a $150,000 duplex rehab in Overtown, or a $6,000,000 multifamily build in North Miami. Either way, we’re ready.

We know Miami-Dade County’s permitting rules and market shifts inside and out. Nothing slows down your underwriting. We stay financially strong through every market cycle, not just the good ones. That means we keep funding deals when other lenders back off. Being a national lender doesn’t pull us away from local markets. It makes our local lending stronger.