Hillsborough County
Bridge and Commercial Loans in Hillsborough County
Skyway Bridge Lending provides short-term bridge loans, commercial bridge loans, and construction and land loans on investment property in Tampa and throughout Hillsborough 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 Hillsborough 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 Hillsborough County, including:
- Tampa
- Brandon
- Riverview
- Plant City
- Temple Terrace
- Valrico
- Seffner
- Lutz
- Apollo Beach
- Ruskin
- Sun City Center
- Wimauma
Within Tampa, that includes Ybor City, Seminole Heights, Tampa Heights, West Tampa, East Tampa, South Tampa, and Westshore.
What Hillsborough County investors should plan for
Which government controls your permits
The City of Tampa, Temple Terrace, Plant City, and unincorporated Hillsborough County each run their own zoning and permitting. Rules and approval times differ between them. Confirm which jurisdiction a property falls under before you set a renovation budget or timeline.
Historic district reviews in Tampa
Exterior changes in Ybor City require approval from the Barrio Latino Commission. Properties in other Tampa historic districts, such as Hyde Park, Seminole Heights, and Tampa Heights, go through the Architectural Review Commission. These reviews can add weeks to a project, so include them in your timeline and exit plan.
Flood exposure in low-lying areas
Storm surge from Hurricane Helene in 2024 flooded low-lying parts of South Tampa and other areas near the bay. If a property is in a FEMA flood zone and repairs or improvements cost more than 50% of the building's value, the building usually must meet current elevation standards. Get a flood insurance quote and check the property's flood zone before you commit.
Industrial and flex demand
Warehouse, flex, and contractor space along the I-4 corridor and in the Brandon and Plant City areas is in steady demand from local businesses. That makes commercial bridge loans useful both for investors and for business owners buying their own buildings.
New construction in southern Hillsborough
Riverview, Apollo Beach, Ruskin, and Wimauma have seen significant residential growth, creating demand for lot loans, construction loans, and bridge financing on new rental homes.
Example scenarios
These examples show how our loans are typically structured. They are not past transactions.
- An investor buys a vacant duplex in Seminole Heights for $400,000 using a bridge loan of up to $300,000, leases both units, and refinances into a long-term rental loan.
- An investor buys a partly vacant retail building in East Tampa for $700,000 using a commercial bridge loan of up to $490,000, then re-leases the empty space before refinancing.
- An HVAC contractor buys a $1,000,000 flex warehouse in Brandon for its own operations, using a commercial bridge loan of up to $700,000 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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