Lee County
Bridge and Commercial Loans in Lee County
Skyway Bridge Lending provides short-term bridge loans, commercial bridge loans, and construction and land loans on investment property in Fort Myers, Cape Coral, and throughout Lee 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 Lee 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 Lee County, including:
- Fort Myers
- Cape Coral
- Lehigh Acres
- Bonita Springs
- Estero
- North Fort Myers
- San Carlos Park
- Alva
- Fort Myers Beach
- Sanibel
- Pine Island
What Lee County investors should plan for
Rebuilding after Hurricane Ian
Hurricane Ian made landfall in Lee County in 2022 and caused severe damage on Fort Myers Beach, Sanibel, and Pine Island. Helene and Milton added more damage in 2024. Rebuilding is still under way, and many damaged or rebuilt properties are selling to investors.
The 50% rule
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. FEMA has closely reviewed how local governments in Lee County enforce this rule since Ian, so expect building departments to apply it carefully. Confirm the requirements before you buy a damaged property.
Vacant lots in Cape Coral and Lehigh Acres
Both communities were laid out decades ago with large numbers of residential lots, and many are still vacant. That makes lot loans and new construction loans common here. Before buying a lot, check whether city water and sewer are available, and whether utility extension assessments apply, because both affect building costs.
Seawalls on Cape Coral canal lots
Many Cape Coral homes and lots sit on canals with seawalls. A damaged or failing seawall can be expensive to replace, so inspect it before you buy and include any repair in your budget.
Commercial and industrial growth
Population growth has increased demand for retail, office, and industrial space, especially along the I-75 corridor and near Southwest Florida International Airport. 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.
- A builder buys a canal lot in Cape Coral for $100,000 using a lot loan of up to $50,000, then arranges construction financing.
- An investor buys a storm-damaged duplex in Fort Myers for $300,000 using a bridge loan of up to $225,000, then repairs and leases both units.
- A contractor buys an $800,000 flex building near I-75 in Fort Myers for its own business, using a commercial bridge loan of up to $560,000 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.
Have a Deal? Let's Talk.
Contact
Sarasota, FL
Quick Links