Collier County
Bridge and Commercial Loans in Naples and Collier County
Skyway Bridge Lending provides short-term bridge loans, commercial bridge loans, and construction and land loans on investment property in Naples, Marco Island, and throughout Collier 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 Collier 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 Collier County, including:
- Naples
- North Naples
- East Naples
- Naples Park
- Golden Gate
- Golden Gate Estates
- Marco Island
- Ave Maria
- Immokalee
- Everglades City
What Collier County investors should plan for
High property values and our loan limit
Many Naples properties are worth well over $1 million. Our loans go up to $1,000,000, so on a higher-priced property you will need more of your own cash than our leverage percentages alone would suggest. For example, a bridge loan on a $2,000,000 property is capped at $1,000,000, which is 50% of value.
Rebuilding after Hurricane Ian
Storm surge from Hurricane Ian in 2022 flooded many coastal neighborhoods in Naples and on Marco Island. Many older, lower homes have since been sold to investors and builders who renovate them or replace them with new elevated homes. 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.
Large lots in Golden Gate Estates
Golden Gate Estates has thousands of large residential lots, many of them vacant, and most rely on well water and septic systems. That makes lot loans and new construction loans common. Check utility requirements, road access, and clearing costs before you set a construction budget.
Separate permitting in Naples and Marco Island
The City of Naples, Marco Island, and unincorporated Collier County each run their own permitting, and the cities have their own design and review requirements. Confirm which jurisdiction a property is in before you plan a renovation or rebuild.
Growth in eastern Collier County
Ave Maria and the areas along Immokalee Road have seen significant new residential and commercial development. That creates demand for construction loans and 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 an older home in Naples Park for $700,000 using a bridge loan of up to $525,000, then renovates and sells.
- A builder buys a lot in Golden Gate Estates for $150,000 using a lot loan of up to $75,000, then arranges construction financing.
- A contractor buys a $1,200,000 industrial building in Naples for its own business, using a commercial bridge loan of up to $840,000 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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