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UNIVERSAL PRIVATE LOANS

A Private Lender

PROGRAMS

Providing a "One-Stop" Financing Solution
For Your Florida Real Estate Needs

01

Ground-Up Construction

Construction Loans designed to provide developers with the capital needed to complete their ground-up real estate projects.

02

Multifamily

Capital for the acquisition, construction, or renovation of multifamily developments.

03

Retail

Financing that will provide developers and investors with the capital necessary to acquire, develop, or reposition retail properties.

04

Industrial

Industrial loans that support the acquisition, development or rehab of industrial properties.

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05

Land

Acquisition loans designed to provide developers with the capital needed to acquire and permit land prior to construction. 

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06

Mixed Use

Loans providing Developers with the capital necessary to support the development of small mixed-use projects.

OUR "ONE-STOP" GROUND-UP CONSTRUCTION, FIX/FLIP & BRIDGE LOAN PROGRAMS

Universal is your Florida Lender for Diverse Real Estate Products

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Ground-Up Construction

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Fix and Flip Loan

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Bridge Loan

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Loan Guidelines for Ground-Up Construction, Fix/Flip and Bridge Loans

The following terms generally apply to our "One-Stop" Ground-up Construction, Fix/Flip and Bridge Loans. Loan terms will vary depending on specific project type, market location, and borrower experience.

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 Loan Guidelines:

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  • One Stop Loan:  May include acquisition, soft/closing costs, interest reserve, and up to 100% of construction costs/rehab - in a single loan

  • Loan Size: $500,000 - $ 5 Million

  • Term: 12 - 24 Months (extensions available)

  • Interest Rate: Competitive "fixed" rates / interest only on monies advanced

  • Pre-payment Penalty: None - Pre-pay anytime

  • Maximum Construction or Rehab Loan: Up to 100% of construction costs

  • LTC/LTV: deal and asset class dependent

  • Foreign Nationals: Yes

  • Borrower Experience: Not required

  • Interest Reserve: Yes - can be built into loan

  • Quick Approvals: Yes - a term sheet can be issued within 24-48 hours after submission of Loan Application 

  • Spec Residential: Spec residential allowed

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Property Types:​ (Investment properties only)

  • Single Family (Spec)

  • Townhomes

  • 2-4 Unit Multi-Family

  • Condominiums

  • Retail

  • Industrial
     

Borrowing Entities:

  • LLC's

  • Corporations

  • Partnerships

  • Trusts

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Construction Controls (Ground-Up and Fix/Flip):

  • Internal construction budget review and analysis

  • In-house inspection management, draw processing and disbursement

  • Flexible draws to meet projects needs

  • Immediate draw dispersals (average of 7 days)

  • Loans serviced in-house
     

Why Universal Private Loans?

  • Florida based direct lender

  • Experts on Florida real estate markets

  • Streamlined loan processing (Application, Underwriting, and Quick Closing)

  • Personalized service / deal directly with a Principal 

  • Loans serviced in-house

​

Guidelines for Ground-Up Construction, Luxury Fix/Flip & Bridge Loans

The following terms generally apply to our "One-Stop" Ground-up Construction, Luxury Fix/Flip and Bridge Loans. Loan terms will vary depending on specific project type, market location, and borrower experience.

​

 Loan Guidelines:

​

  • One Stop Loan:  May include acquisition, soft/closing costs, interest reserve, and up to 100% of construction costs/rehab - in a single loan

  • Loan Size: $500,000 - $ 5 Million

  • Term: 12 - 24 Months (extensions available)

  • Interest Rate: Competitive "fixed" rate / interest only on monies as advanced

  • Pre-payment Penalty: None - Pre-pay anytime

  • Construction or Rehab Loan: Up to 100% of construction costs

  • LTC/LTV: deal and asset class dependent

  • Foreign Nationals: Yes

  • Borrower Experience: Not required

  • Interest Reserve: Yes - can be built into loan

  • Quick Approvals: Yes - a term sheet can be issued within 24-48 hours after submission of a Loan Application / required documentation

  • Spec Residential: Spec residential allowed

​

​

Property Types:​ (Investment properties only)

  • Single Family (Spec)

  • Townhomes

  • 2-4 Unit Multi-Family
     

Borrowing Entities:

  • LLC's

  • Corporations

  • Retail

  • Industrial

  • Condominiums
     

​

  • Partnerships

  • Trusts

Construction Controls (Ground-Up and Luxury Fix/Flip):

  • Internal construction budget review and analysis

  • In-house inspection management, draw processing and disbursement

  • Flexible draw schedules to meet projects needs

  • Immediate draw dispersals (average of 5-7 days) wired directly to Borrower's account.
     

Why Choose Universal Private Loans?

  • Florida based direct lender

  • Experts on Florida real estate markets

  • Streamlined loan processing (Application, Underwriting, and Quick Closing)

  • Personalized service / deal directly with a Principal 

  • Loans serviced in-house

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