Ground-Up Construction Loans in Polk County Florida
Florida Fix and Flip Loans offers fast, flexible Ground-Up Construction Loans in Polk County Florida—helping real estate investors, builders, and developers bring their projects to life without the red tape of traditional banks. From Lakeland to Winter Haven, we know the Central Florida market, permitting laws, zoning timelines, and development risks.
Ground-Up Construction Loan Program
Our ground-up construction loan program is designed to finance the entire project cycle—land acquisition, vertical construction, and exit strategy. We fund residential, mixed-use, and small commercial projects throughout Polk County and surrounding areas.
How to Qualify
You don’t need perfect credit or prior ground-up experience. We evaluate your deal based on project viability, exit strategy, and the property’s potential value.
• Submit your plans, budget, and exit strategy.
• Show lot ownership or a contract to acquire it.
• Get same-day quotes and fast closings.
Property Types Eligible
• Single-family homes
• Duplexes, triplexes, and fourplexes
• Townhomes and small subdivisions
• Small commercial and mixed-use
• Infill lots and teardowns
Fast Funding Timelines
Traditional banks can take months—our process takes days. We offer draw schedules that keep your subs paid and your timeline on track. Most loans close in 5–10 business days.
Local Expertise in Polk County Florida
From Bartow to Lake Wales, we understand local planning departments, contractor schedules, and Florida’s permitting process. We’re also familiar with hurricane zone risks, soil tests, and elevation compliance in central Florida.
Why Choose Private Lending Over Banks?
Rehab + land + vertical costs rolled into one loan
Close in days
We’ve funded 1,000+ Florida projects
Minimal documentation
Get Started Today
Get fast approval on your loan by applying now and speaking with a local Florida lending expert who’ll guide you through the process. Simply submit your deal scenario for same-day feedback and take the first step towards achieving your financial goals