Manatee County
Bridge and Commercial Loans in Manatee County
Skyway Bridge Lending provides short-term bridge loans, commercial bridge loans, and construction and land loans on investment property in Bradenton, Lakewood Ranch, and throughout Manatee 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 Manatee 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 Manatee County, including:
- Bradenton
- Palmetto
- Lakewood Ranch
- Parrish
- Ellenton
- Myakka City
- Anna Maria
- Holmes Beach
- Bradenton Beach
- Longboat Key (Manatee County portion)
What Manatee County investors should plan for
Rebuilding on Anna Maria Island
Storm surge from Hurricane Helene in 2024 flooded much of Anna Maria Island, and Hurricane Milton followed two weeks later. Many damaged properties have sold to investors who plan to renovate or rebuild. 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 with the city before you buy.
Vacation rental rules
Many island and coastal properties are bought as short-term vacation rentals. Each city sets its own rules on registration, occupancy, and minimum stays. Check the local rules before you buy, because they affect the property's income and your exit plan.
Growth in Lakewood Ranch and Parrish
Eastern and northern Manatee County are among the fastest-growing areas in the region. That creates demand for lot loans, construction loans, and bridge financing on new rental homes.
Community development districts and HOA rules
Many newer communities charge community development district (CDD) assessments on the property tax bill, which raises carrying costs. Some homeowners associations also limit rentals or set minimum lease terms. Review both before you buy a property you plan to rent.
Industrial space in north county
Port Manatee and the I-75 and U.S. 301 corridors support demand for warehouse and industrial space near Palmetto and Ellenton. 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 storm-damaged home in Holmes Beach for $600,000 using a bridge loan of up to $450,000, then renovates and rents it.
- A builder buys a lot in Parrish for $120,000 using a lot loan of up to $60,000, then arranges construction financing.
- A distribution company buys a $750,000 industrial building near Port Manatee for its own operations, using a commercial bridge loan of up to $525,000 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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