Charalotte County
Bridge and Commercial Loans in Charlotte County
Skyway Bridge Lending provides short-term bridge loans, commercial bridge loans, and construction and land loans on investment property in Punta Gorda, Port Charlotte, and throughout Charlotte County. Loans range from $50,000 to $1,000,000, and we can close in as few as 5 business days.
Loans we offer in Charlotte County
Bridge loans
On 1–4 unit residential investment property, up to 75% of current value.
Commercial bridge loans
On retail, office, industrial, mixed-use, and multifamily property, up to 70% of current value, including buildings purchased by business owners for their own operations.
Fix and flip and new construction loans
Up to 70% of the after-repair or completed value.
Lot and land loans
Up to 50% of current value.
Areas we serve
We lend throughout Charlotte County, including:
- Punta Gorda
- Port Charlotte
- Murdock
- Charlotte Harbor
- Harbour Heights
- Deep Creek
- Rotonda West
- Placida
- Englewood (Charlotte County portion)
- Babcock Ranch
What Charlotte County investors should plan for
Storm history and rebuilding
Hurricane Ian caused major damage in Punta Gorda and Port Charlotte in 2022, and Helene and Milton brought storm surge to the Englewood area in 2024. Many properties have been rebuilt, and others are still being repaired or sold. In a FEMA flood zone, if repairs or improvements cost more than 50% of the building's value, the building usually must be elevated or rebuilt to current standards, so confirm the requirements before you buy.
Vacant lots in Port Charlotte
Port Charlotte was laid out decades ago with a very large number of residential lots, and many remain vacant. That makes lot loans and new construction loans common here. Many lots still rely on well water and septic systems, so check utility availability before you set a construction budget.
Septic-to-sewer conversion assessments
Charlotte County has been expanding sewer service into neighborhoods that currently use septic systems. Properties in those areas may face special assessments or connection costs. Ask about planned or pending assessments before you buy a lot or home.
Growth at Babcock Ranch
Babcock Ranch, a new master-planned town in the eastern part of the county, continues to add homes and businesses. That creates demand for construction financing and bridge loans on new rental property.
Commercial space near Punta Gorda Airport
The area around Punta Gorda Airport has industrial and commercial land and buildings used by local businesses. That supports commercial bridge loans for investors and for business owners buying their own buildings.
Example scenarios
These examples show how our loans are typically structured. They are not past transactions.
- An investor buys a home in Port Charlotte for $260,000 using a bridge loan of up to $195,000, then renovates and leases it.
- A builder buys a lot in Punta Gorda for $120,000 using a lot loan of up to $60,000, then arranges construction financing.
- A marine services company buys a $500,000 industrial building near Punta Gorda Airport for its own operations, using a commercial bridge loan of up to $350,000 while bank financing is arranged.
How to get started
Send us the property address, the purchase price or payoff, your plan, and your target closing date. We will review the property ourselves and send you proposed terms. You can also estimate your numbers with our loan calculator.
Skyway Bridge Lending makes business-purpose loans only and does not make loans secured by owner-occupied residences. The terms on this page are general guidelines and are not a loan offer or commitment. All loans are subject to underwriting approval, property review, and final loan documents. Information about permitting, flood rules, and insurance is general and is not legal or insurance advice.
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Sarasota, FL
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