Private Real Estate Lender for Experienced Operators
Fast, flexible private bridge capital for acquisition, construction, and refinance—sized to your plan, timeline, and exit.
7–21 day close · Interest-only structures · Florida & Southeast coverage
What we finance
As a Florida-based private bridge lender, Brora funds income-producing and transitional real estate for sponsors who need speed, clarity, and execution. We size private commercial real estate loans to the deal profile and timeline, not a one-size scorecard.
Property types
- Multifamily (stabilized, value-add, lease-up)
- Commercial (office, industrial, retail, mixed-use)
- Residential investment (1–4 unit, portfolios)
- Land with clear path to development (select cases)
Use cases
- Time-sensitive acquisitions
- Ground-up & heavy rehab with milestone draws
- Refinance & recapitalizations ahead of permanent take-out or disposition
Programs at a glance
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Acquisition bridge financing: Certainty of close sized to sources/uses and exit.
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Construction bridge loans: Milestone-based draws, interest reserves, budget controls.
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Refinance bridge loans: Extend runway to stabilize or reposition before perm debt.
Why operators choose Brora
Speed with clarity
Private real estate capital with streamlined diligence and responsive underwriting—so you know where you stand early in the process.
Flexible structures
Interest-only options, interest reserves, and draw schedules tied to milestones, tailored to how your project is actually built and stabilized.
Operator mindset
As a private real estate lender, we structure terms and covenants around the real business plan—not a one-size-fits-all credit box.
Transparent partnership
Direct access to decision-makers and clear communication from initial quote and term sheet through closing, funding, and payoff.
How our process works
Share your deal
Asset, market, business plan, timeline, sources/uses, and exit strategy for your acquisition, construction, or refinance.
Underwrite & structure
We size private real estate loan terms to your plan and timeline—aligning LTC/LTV, reserves, covenants, and draw cadence.
Docs & close
Checklist-driven diligence and coordinated third-party reports to support an on-schedule close with no last-minute surprises.
Funding & draws
Timely disbursements tied to verified milestones and approved budget, with transparent draw tracking throughout the project.
Execute exit
Clean payoff into permanent debt, sale, or recapitalization once your targets are met.
What we look for
- Experienced sponsor with relevant track record
- Realistic budget, schedule, and exit (refi, sale, or recapitalization)
- Market and asset fundamentals that support the private loan term
- Responsive, complete documentation (see checklist below)
Documentation checklist
- Executive summary & business plan (with exit path)
- Purchase agreement / current debt details
- Rent roll & T-12 (if applicable)
- Pro forma & construction budget with draw plan (if applicable)
- Entity docs and sponsor track record
- Required third-party reports (as scoped during diligence)
Our Real Estate Financing Services
Private Real Estate Lender
Asset-focused lending for experienced investors and developers.
Business Construction Financing
Funding aligned to budgets, milestones, and timeline realities.
Commercial Real Estate Financing
Capital solutions for office, industrial, retail, and mixed-use.
Residential Real Estate Financing
Investment properties and portfolios with flexible terms.
Multifamily Real Estate Financing
From acquisition to repositioning and lease-up.
Explore All Our Services
We focus on senior bridge and construction structures across Florida
Florida & Southeast Coverage
We’re based in Florida with a focus on Boca Raton and surrounding markets, and we finance across key Southeast metros.
FAQs (short answers for rich results)
What types of borrowers do you work with as a private real estate lender?
We primarily work with experienced real estate sponsors—developers, builders, and investors—with a relevant track record, a clear business plan, and realistic assumptions around budget, timeline, and exit.
What types of properties do you finance?
We focus on investment real estate: multifamily, residential investment portfolios, office, industrial, retail, mixed-use, and select land with a clear path to development.
Do you work with mortgage brokers and intermediaries?
Yes. We regularly partner with brokers and intermediaries and are transparent about economics, process, and timelines so everyone is aligned from the first term sheet.
What is your typical loan size as a private real estate lender?
We focus on mid-market private real estate loans, typically in the multi-million range, where deal speed, structure, and execution matter more than fitting a rigid bank box.
Do your private real estate loans require recourse?
Most of our loans include some level of recourse or personal guarantee, calibrated to leverage, deal risk, and sponsor strength. We’ll outline this clearly in the term sheet.
Can you refinance a maturing loan or rescue a time-sensitive situation?
In many cases, yes. We provide short-term private bridge loans to refinance upcoming maturities, pay off existing lenders, or create runway for stabilization and permanent debt.
Do you lend to out-of-state sponsors or foreign investors?
Yes, on a selective basis. We evaluate out-of-state and foreign sponsors based on their experience, local team, deal profile, and overall risk, with a focus on Florida and key Southeast markets.
How quickly can I find out if my deal is a fit for Brora?
If you share a concise executive summary, business plan, and basic numbers, we can usually give an initial read in a few business days so you’re not wasting time on a mismatch.
What costs should I expect when working with a private real estate lender?
Typical economics include an origination fee, third-party report costs (appraisal, environmental, etc.), legal fees, and standard closing costs. We spell these out in the term sheet up front.