Construction Loans Ground Up in Bay County Florida

Florida Fix and Flip Loans provides ground-up construction loans tailored for real estate investors, builders, and developers in Bay County, Florida. Whether you’re building single-family homes, duplexes, or light commercial spaces in Panama City, Lynn Haven, or surrounding areas, we fund your vision—fast.

Construction Ground Up Loan Program

Our construction loan program is designed to fund all stages of development: land acquisition, permitting, site work, foundation, framing, and final build-out. We lend based on after-completion value (ARV), focusing on your project’s potential, not your income or credit score.

Why Private Construction Loans Over Banks?

Unlike banks, we don’t require perfect credit or extensive income documentation. Our private loans are faster, more flexible, and ideal for builders who need to move quickly in a competitive market.

How to Qualify

To get started, provide:

Purchase contract or deed to land
Scope of work with contractor bid
Budget breakdown with timeline
Permit status and local inspection requirements

Property Types Eligible

Single-family spec homes
Duplexes and small multifamily (up to 4 units)
Mixed-use or residential infill developments
Light commercial developments (offices, retail)

Fast Funding Timelines

We close in as little as 10–15 business days. Construction draws are released based on progress milestones—grading, slab, framing, and inspections.

Local Lending Experience in Florida

With over 1,000 projects funded in Florida, we know the ins and outs of Bay County’s permitting process, hurricane zone compliance, and local zoning laws. We help you close faster and stay on track with inspections and builder timelines.

Serving Real Estate Developers Across Florida

From Bay County to cities like Orlando, Jacksonville, Tallahassee, Cape Coral, and Miami, our lending team supports builders with capital and guidance every step of the way.