Hard Money & Bridge Financing Solutions For The Greater Havana Area


Havana Florida is a lush, green, and historic area described as “one of Florida’s most unique villages with a history dating back to the earliest years of Florida’s development, that rose from the ashes of a devastating fire in 1916.”

Havana, FL, is situated a convenient 27 minutes north of Tallahassee, and may be just the kind of place where you would like to purchase property due to its location within the Tallahassee commuter belt.

If you are thinking about buying property in Havana, FL, hard money and bridge financing solutions from HML Solutions may be the perfect solution.

Hard money and bridge finance solutions come with plenty of unique benefits

Conventional loans from banks have their place, but there are many unique benefits of hard money and bridge finance loans that make them a superior option for many people, in a variety of different situations.

Here are some of the reasons hard money and bridge loans stand out.

They are much more straightforward

Standard loans require all sorts of credit checks, paperwork, and involve various other bureaucratic elements that can make them a pain to try and obtain.

What’s more, getting approved for a standard loan also typically takes a while — meaning you could miss out on a great housing deal.

We’d rather save you — and us — some time, so our hard money and bridge loans emphasize simplicity. We focus more on the property you are planning to buy than on your personal credit rating.

Here are some of the simple and elegant features of our loans:

  • A quick, easy, and basic credit check
  • Basic cash flow requirements only
  • Few business documents requests, to minimize paperwork and complexity
  • No outside collateral requirements
  • Fast closing
  • Fixed interest rates

Hard money and bridge loans are based primarily on property value

Although we carry out some credit checks when deciding whether to approve loans for our clients, we don’t place as much weight on your personal financial record as banks do.

Instead, we focus first and foremost on the value of the property that you are planning to buy, when deciding to approve your loan, and considering how much to offer.

Here are some things you can expect when you get a hard money or bridge loan from HML Solutions:

  • Loan amounts calculated according to a loan-to-value ratio (LTV) of up to 75% of the asking price for the property, or its existing property value (whichever of these two is the lowest)
  • Loans from $50K-$50M and up available, with the amount being based on the property value and LTV

Clear terms and conditions and fixed interest rates

Not many things are more frustrating than private loan companies who try to fool and manipulate their clients with obscure and hidden terms and conditions, and predatory and wildly fluctuating interest rates.

We do things different, and pride ourselves on:

  • LOAN AMOUNTS: $100K – $50M+
  • Maximum LTV 75%
  • TERMS: 1 – 3 Years
  • RATE TYPE: 10% – 12% fixed
  • AMORTIZATION: Interest only
  • CLOSINGS: 1 – 2 Weeks

Contact us today for a free consultation and get started with a loan process that often closes within 10 days.

For super quick service, fill out the form on this page. We’ll do an immediate review, then we’ll contact you right away to begin your hard money loan or bridge financing process.

Note: All submitted information is kept in strict confidence and used solely for the purpose of obtaining a hard money loan and/or bridge loan. We do not share your information with any third parties without your consent.


Use our quick-start application below to begin the process. Once received, we will contact you via phone to verify your interest and to gather a few more details:

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