Tower Capital Group LLC — operating as CapitalBridge — delivers institutional-grade financing exclusively focused on Florida's booming commercial real estate and business markets. Funded in as few as 21 days.
From stabilized assets to ground-up construction, we structure deals that work — fast.
Short-term financing for acquisitions, value-add plays, and transitional assets across Florida. Close in days, not months.
Flexible construction financing for multifamily, mixed-use, and commercial projects throughout Florida's major markets.
Specialized financing for Florida's booming tourism-driven hospitality sector — from boutique hotels to full-service resorts.
Bridge and perm financing for apartment communities, workforce housing, and luxury multifamily developments in Florida.
Capitalizing on Florida's logistics boom — financing for distribution centers, flex industrial, and last-mile warehousing.
SBA-alternative commercial loans for Florida businesses looking to expand, acquire, or refinance income-producing properties.
From hard money to DSCR, fix-and-flip to COA — we cover the full range of commercial and residential investment loan programs.
Asset-based lending with fast approvals — ideal when speed and flexibility matter more than rate.
Short-term bridge financing to close gaps between acquisition, stabilization, and permanent financing.
Debt service coverage ratio loans for 20 to 400+ unit investment properties — no income verification required.
Cash-flow based underwriting for multifamily and commercial properties — qualify on the asset, not the borrower.
Ground-up and renovation financing with flexible draw schedules and competitive rates.
Short-term capital for investors acquiring, renovating, and selling residential and small commercial properties.
Specialized financing for condominium and homeowner associations — capital for repairs, reserves, and improvements.
Investment and second home financing for non-owner occupied residential properties — SFR, condos, and 2–4 units.
Interim financing to bridge the gap while you execute your business plan or secure permanent debt.
Bridge capital gives you the time to stabilize occupancy, complete a repositioning, or resolve a maturity before locking in long-term debt. We size these loans to your business plan and structure flexible exits so you're never forced to refinance or sell at the wrong moment.
Tap for details ›Competitive offers require fast closings — our streamlined process delivers in as few as 21 days.
When a seller needs certainty of execution, a fast close is your strongest negotiating tool. Our in-house underwriting and direct capital relationships let us issue term sheets in 24–48 hours and fund in as few as 21 days, so you can win deals that slower lenders lose.
Tap for details ›Purchase financing for income-producing properties, development sites, and value-add opportunities.
Whether you're buying a stabilized asset, a development site, or a value-add play, we tailor leverage and structure to the specific opportunity. Higher-leverage and interest-only options preserve your equity for the improvements and reserves that drive returns.
Tap for details ›Draw-based financing for ground-up construction and significant rehabilitation projects.
Our construction and rehab facilities fund on a draw schedule tied to your project milestones, so you only pay interest on capital as you deploy it. We finance ground-up development and heavy value-add across multifamily, mixed-use, and commercial product throughout Florida.
Tap for details ›Rate-and-term refinancing to lower your cost of capital or extend your hold period.
Refinancing lets you replace maturing or higher-cost debt, lock in improved terms, and extend your hold as market conditions shift. We move quickly on rate-and-term takeouts so a looming maturity never puts your asset or your equity at risk.
Tap for details ›Unlock equity in stabilized assets to redeploy capital into your next acquisition or project.
A cash-out refinance turns trapped equity in a stabilized property into liquid capital you can put to work elsewhere. Investors use these proceeds to fund down payments, capital improvements, or entirely new acquisitions without selling and triggering a taxable event.
Tap for details ›Partner buyouts, maturity defaults, and distressed situations — we structure solutions when others won't.
When a partnership needs to separate, a loan is maturing into a tough market, or a deal is under pressure, we design capital solutions that conventional lenders avoid. Our flexibility on structure and speed lets you resolve distress and protect your position before it becomes a loss.
Tap for details ›We quote what we fund. Florida market specialists with institutional pricing power.
| Loan Type | Loan Range | Max LTV | Typical Term | Recourse |
|---|---|---|---|---|
| CRE Bridge | $10M – $100M | 75% | 12–36 mo | Non-recourse available |
| Construction | $15M – $100M | 80% LTC | 18–36 mo | Recourse |
| Multifamily | $10M – $100M | 80% | 24–60 mo | Non-recourse available |
| Hospitality | $10M – $75M | 70% | 12–60 mo | Case by case |
| Industrial | $10M – $100M | 72% | 24–60 mo | Non-recourse available |
| Business Purpose | $10M – $50M | 70% | 12–60 mo | Recourse |
Rates shown are indicative and subject to credit review, property type, market, and LTV. Contact us for a firm quote.
We represent and source from an extensive network of institutional and private capital providers — giving you access to the best terms across every lender type.
Top-tier bank relationships providing competitive rates, regulatory-compliant structures, and long-term permanent financing for stabilized assets.
Flexible, fast-moving capital for complex and opportunistic deals — including transitional assets, distressed situations, and high-yield bridge scenarios.
Private capital from HNW investors offering speed, discretion, and creative structuring unavailable through institutional channels.
Specialty debt fund capital for bridge, construction, and value-add plays — with non-recourse options and flexible covenant packages.
Long-term oriented, relationship-driven capital from family office investors — ideal for larger transactions requiring patience and structural creativity.
Our network of trusted professionals is a cornerstone of our business — and we reward it.
Deep local relationships, market intelligence, and a network built over 15+ years across the Sunshine State.
Miami-Dade, Broward & Palm Beach — luxury condo, mixed-use, and office-to-resi conversions.
Hospitality, logistics corridors, and residential expansion fueled by population growth.
Multifamily, industrial, and waterfront mixed-use in one of Florida's fastest-growing metros.
Industrial, workforce housing, and retail anchored deals in Florida's largest city by area.
*These are the loans placed by our lender partners in the past 15+ years.
Four MSAs. Four distinct opportunities. Here's why capital keeps flowing to each one.
Miami is the gateway to Latin American capital and the beneficiary of one of the largest wealth migrations in American history. Since 2020, financial firms, hedge funds, and family offices have relocated en masse to Miami-Dade, Broward, and Palm Beach counties, bringing high-income employment and sustained demand for Class A office, luxury residential, and mixed-use product. With no state income tax and a deep international buyer pool, Miami condos and multifamily consistently command among the strongest rent growth and price-per-foot appreciation in the nation.
Supply constraints make Miami a durable long-term hold. Hemmed in by the Atlantic on one side and the Everglades on the other, developable land in the urban core is genuinely scarce — a rarity among Sun Belt metros. That scarcity supports land values through cycles and rewards investors who can execute office-to-residential conversions, value-add repositioning, and infill development where entitlements are already in place.
The tourism and trade engines add a second layer of demand. PortMiami is the busiest cruise port in the world and a top-tier container port, while Miami International Airport anchors one of the strongest hospitality markets in the country — hotel RevPAR here has repeatedly led all major U.S. metros. For investors, that means diversified exit options: hospitality, residential, industrial, and retail all trade with deep institutional liquidity in this market.
Orlando is one of the fastest-growing large metros in the United States, adding roughly 1,000 new residents every week. That relentless in-migration — driven by jobs, affordability relative to South Florida, and the University of Central Florida's massive graduate pipeline — creates structural demand for workforce housing, build-to-rent communities, and garden-style multifamily that consistently outpaces new supply.
The economy is far more diversified than its theme-park reputation suggests. Lake Nona's Medical City has turned Orlando into a legitimate life-sciences and healthcare hub, while the metro's simulation, defense, and aerospace cluster is among the largest in the country. Add 74+ million annual visitors underwriting the hospitality sector, and Orlando offers investors multiple uncorrelated demand drivers in a single MSA.
Location seals the case for development. Orlando sits at the crossroads of I-4 and Florida's Turnpike, within a two-hour drive of both coasts, making it the state's natural logistics and distribution hub. Industrial vacancy has stayed persistently tight along the I-4 corridor, and the Brightline rail connection to Miami has only strengthened the case for transit-adjacent mixed-use and last-mile warehouse development.
Tampa Bay has quietly become Florida's momentum market — repeatedly ranked among the top U.S. metros for job growth, corporate relocations, and rent growth. Water Street Tampa, a $3.5B+ downtown master development, reset the bar for urban product in the metro and proved institutional appetite for Tampa at scale. Finance, healthcare, and tech employers continue to expand here, drawn by a cost structure well below Miami's with comparable lifestyle appeal.
For multifamily investors, the fundamentals are hard to beat: strong household formation, a deep renter pool anchored by MacDill Air Force Base, the University of South Florida, and a booming professional class, plus median incomes rising faster than the national average. Suburban submarkets like Wesley Chapel, Brandon, and Pasco County offer some of the best yield-to-growth ratios in the state for garden and BTR product.
Port Tampa Bay — Florida's largest port by tonnage — and a fast-growing industrial base along I-75 give the metro genuine logistics credentials, while waterfront redevelopment in St. Petersburg and the Westshore district keeps delivering premium mixed-use opportunities. With insurance and construction costs stabilizing, Tampa's pipeline remains disciplined relative to demand — a setup that favors owners and developers over the next cycle.
Jacksonville is Florida's value play with institutional-grade fundamentals. As the largest city by land area in the contiguous U.S., it offers what South Florida cannot: abundant developable land, business-friendly permitting, and entry pricing that still allows development deals to pencil. Population growth consistently ranks in the national top ten, led by St. Johns County — one of the fastest-growing and highest-income counties in America.
The logistics story is exceptional. JAXPORT is a top vehicle-handling port with deepened channels for post-Panamax vessels, three Class I railroads converge here, and I-95/I-10 intersect at the metro's heart. Amazon, Wayfair, and major 3PLs have planted massive distribution footprints, and industrial vacancy remains tight even as new supply delivers — a signal of genuine, durable tenant demand.
Jacksonville's employment base — banking (Bank of America, JPMorgan operations centers), healthcare (Mayo Clinic's Florida flagship), three naval installations, and a growing fintech scene — supports steady absorption of workforce housing and suburban retail. For investors priced out of Miami and Tampa, Jacksonville offers the state's best combination of going-in yield, growth trajectory, and downside protection.
We combine Wall Street capital with Main Street relationships — closing deals that other lenders pass on.
Our streamlined underwriting closes in as few as 21 days. Preliminary terms in 24–48 hours. Time kills deals — we don't let that happen.
Direct relationships with life companies, family offices, and debt funds give us pricing and structure unavailable at traditional banks.
One dedicated point of contact from application to funding. No hand-offs, no runarounds. You talk to a decision-maker, every time.
We only do Florida. That laser focus means we understand local market dynamics, county regulations, and appraiser networks better than anyone.
$4.2B+ funded since 2008 across every major Florida market. We've navigated the 2008 crisis, COVID, and every market cycle in between.
Preferred equity, mezz debt, construction-to-perm, and non-recourse structures. We build the capital stack that makes your deal work.
"CapitalBridge closed our $42M Miami Beach hotel acquisition in 19 days. Other lenders quoted 60+. The difference was remarkable."Robert V. Hotel Developer · Miami Beach, FL
"We've done four deals with Tower Capital. Their Florida market knowledge is unmatched — they knew our Tampa submarket better than we did."Sarah K. Multifamily Developer · Tampa, FL
"Got a term sheet in 24 hours on our $28M Orlando industrial deal. Closed in 23 days. CapitalBridge is our go-to lender for Florida."Marcus J. Industrial Investor · Orlando, FL
Get a preliminary term sheet within 24–48 hours. No obligation, no hard credit pull. Just a real conversation with a Florida specialist.
Your inquiry goes straight to our loan desk at loans@CapitalBridgeFL.com.