Loan Programs
Action Funding offers a variety of different hard money loan types to clients in Florida, California, Texas, and all over the country. Our team will provide you with the capital needed for various projects. Learn about the different types of loans that our team offers.
Hard money loans are asset-based financing solutions that provide quick access to capital for real estate investors who may not qualify for traditional lending. Backed primarily by the property’s value rather than the borrower’s credit, these loans are ideal for fix-and-flip projects, distressed property acquisitions, or time-sensitive deals. With streamlined approvals, flexible terms, and faster closings than conventional financing, hard money loans allow investors to move quickly, leverage opportunities, and execute short-term strategies with confidence.
Residential loans are designed to give you the capital you need to purchase or refinance a single-family home, condo, or townhouse. With streamlined approvals and fast closings, our residential lending options make it easier to secure funding outside of the delays of traditional banks.
Unlock the equity in your existing property with a cash-out refinance loan. This allows you to access cash tied up in your property to fund renovations, pay off debts, or reinvest in new opportunities—all while leveraging your real estate assets.
Debt Service Coverage Ratio (DSCR) loans are tailored for real estate investors who want to qualify based on property cash flow rather than personal income. This makes them perfect for self-employed borrowers or those building a rental property portfolio with strong income potential.
Multifamily loans are designed for investors looking to purchase or refinance properties with multiple rental units, such as duplexes, triplexes, or larger apartment complexes. These loans allow borrowers to scale their portfolios, generate steady rental income, and build long-term wealth through real estate. With flexible financing options and the ability to leverage rental income, multifamily loans are an ideal choice for both seasoned and first-time investors.
Fix and flip loans are short-term financing options created for real estate investors who purchase properties in need of repairs, renovate them, and sell for a profit. These loans provide quick access to capital for both the acquisition and rehab costs, making it easier to move fast in competitive markets. With flexible terms and funding tailored to project timelines, fix and flip loans help investors maximize returns while transforming undervalued properties into profitable assets.
New construction loans provide financing for building a property from the ground up, whether it’s a single-family home, multifamily building, or investment property. These loans cover costs such as land acquisition, materials, labor, and permits, giving investors and builders the capital they need to bring projects to life. With flexible draw schedules and interest-only payments during construction, new construction loans are designed to support the entire build process until the project is complete and ready for sale or long-term financing.
Bridge loans are short-term financing solutions that help real estate investors and borrowers “bridge the gap” between transactions. Ideal for situations where permanent financing isn’t immediately available, these loans provide fast access to capital for property acquisitions, refinances, or time-sensitive opportunities. With flexible terms and quick closings, bridge loans allow investors to act decisively, secure deals, and transition smoothly to long-term financing or a property sale.
Commercial loans are financing solutions designed to support businesses in acquiring, developing, or refinancing commercial properties. Ideal for entrepreneurs, investors, and companies seeking to expand or stabilize their real estate portfolio, these loans provide access to capital for office buildings, retail centers, multifamily properties, industrial facilities, and more. With structured repayment terms and competitive rates, commercial loans allow borrowers to secure long-term funding, manage cash flow, and unlock growth opportunities while leveraging the value of their property investments.
What Properties Do We Finance
Action Funding has extensive experience lending on a wide variety of property types throughout Florida. Our team can walk you through previous successful projects and help you determine the best funding structure for your investment.
Learn about the different types of properties we lend on:
Single Family Homes
Townhomes
Multi-Units
Condominiums
Apartment Buildings
Land Deals (restrictions apply)
Retail & Shopping Centers
Single Family Homes
Townhomes
Multi-Units
Condominiums
Apartment Buildings
Land Deals (restrictions apply)
Retail & Shopping Centers
Frequently Asked Questions
1. Capitalization – We have the financial strength to close multiple deals at once, offering loan amounts from $50,000 to $5 million.
2. Streamlined Processing – Loan analysis, closings, and draws are always expedited, giving you fast access to capital.
3. Focused Analysis – We only make loans when our team concludes your success is highly achievable, ensuring strong, reliable deals.
4. Experienced Leadership – Senior management is personally involved in every transaction and readily available to support our clients.
The primary considerations are the property and the overall deal. While credit is reviewed, we take a flexible approach and understand that borrowers may have past credit challenges. It’s uncommon for an application to be declined based solely on credit history.
Yes, AFI is able to do seconds if there is enough equity in the property. We only go behind banks, not other private lenders.
Points represent a percentage of the loan amount that are charged as a transaction fee. A $500,000 loan with 2 points would be $10,000
AFI's typical time to close is within 21 days.