Pasco County
Bridge and Commercial Loans in Pasco County
Skyway Bridge Lending provides short-term bridge loans, commercial bridge loans, and construction and land loans on investment property in Wesley Chapel, New Port Richey, and throughout Pasco 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 Pasco 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 Pasco County, including:
- Wesley Chapel
- Land O' Lakes
- Lutz
- Odessa
- Trinity
- New Port Richey
- Port Richey
- Holiday
- Hudson
- Zephyrhills
- Dade City
- San Antonio
What Pasco County investors should plan for
One of Florida's fastest-growing counties
Central Pasco, especially Wesley Chapel and Land O' Lakes along the State Road 54 and 56 corridors, has added large numbers of new homes and businesses. That creates steady demand for lot loans, construction loans, and bridge financing on new rental homes.
Mobility fees on new construction
Pasco County charges mobility fees on new construction to help pay for roads and transportation. The amount depends on the type and location of the building. Include these fees in your construction budget before you buy a lot.
Flooding along the west Pasco coast
Storm surge from Hurricane Helene in 2024 flooded many homes in Hudson, Port Richey, and other low-lying coastal neighborhoods. Many of those homes are older and sit close to sea level. 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.
Older commercial property on U.S. 19
The U.S. 19 corridor through west Pasco has many older retail and office buildings. Some are vacant or partly leased, which suits commercial bridge loans for buyers who plan to renovate and re-lease.
Warehouse and distribution growth
New warehouse and distribution space has been built along I-75 and State Road 52. 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 New Port Richey for $220,000 using a bridge loan of up to $165,000, then repairs and sells.
- A builder buys a lot in Zephyrhills for $110,000 using a lot loan of up to $55,000, then arranges construction financing.
- An investor buys a partly vacant retail building on U.S. 19 in Port Richey for $650,000 using a commercial bridge loan of up to $455,000, then renovates and re-leases it.
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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