Address: Orlando, FL 32807
ARV: $900,000 (As-is)
Loan Amount: $300,000.00
Loan Structure: 12 Months Interest Only
Interest Rate: 13%
LTV 50%
Loan Purpose: Cash-out Refi
Funded November 4, 2025
HML Solutions recently funded a $300,000 commercial bridge loan secured by a long standing automotive property in Orlando, along with an additional $150,000 future advance designed to support the borrower’s expansion plans. Structured at approximately 50% loan to value, the financing provided the borrower with fast access to capital while preserving flexibility for future development and operational growth.
The collateral consisted of a 1.8 acre commercial property improved with an approximately 4,036 square foot building that has operated as a car dealership for more than twenty years. Located in a highly trafficked commercial corridor, the property offers strong functionality for automotive operations and future expansion potential. The site carried a tax assessed value of approximately $900,000 with a recent appraisal supporting a value near $1,190,000.
The borrower, an experienced dealership operator, originally acquired the property through a favorable seller financed transaction and has successfully operated his business from the location for decades. Looking to expand operations and create additional revenue streams, the borrower planned to construct a new metal building featuring 20 bays that local dealers could lease and operate independently under their own licenses.
Through HML Solutions’ streamlined asset based lending approach, our team expedited title, underwriting, and due diligence to close the transaction in just 6 days. The financing provided the borrower with the capital necessary to begin expansion plans, increase operational capacity, and position the property for additional long term income generation through bay rentals.
