Pinellas County

Bridge and Commercial Loans in Pinellas County

Skyway Bridge Lending provides short-term bridge loans, commercial bridge loans, and construction and land loans on investment property in St. Petersburg, Clearwater, and throughout Pinellas County. Loans range from $50,000 to $1,000,000, and we can close in as few as 5 business days.

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Loans we offer in Pinellas 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 Pinellas County, including:

  • St. Petersburg
  • Clearwater
  • Largo
  • Pinellas Park
  • Seminole
  • Dunedin
  • Safety Harbor
  • Oldsmar
  • Palm Harbor
  • Tarpon Springs
  • St. Pete Beach
  • Treasure Island
  • Madeira Beach
  • Redington Shores
  • Indian Rocks Beach
  • Clearwater Beach

What Pinellas County investors should plan for

Redevelopment instead of open land

Pinellas is the most densely populated county in Florida, and very little vacant land remains. Most opportunities involve buying and improving existing buildings, or tearing down an older building and rebuilding. Bridge and construction loans fit that kind of project.

Rebuilding after Helene and Milton

Storm surge from Hurricane Helene in 2024 flooded thousands of properties in the beach communities and in low-lying St. Petersburg neighborhoods. Hurricane Milton followed two weeks later. Many damaged properties have sold or are still coming to market, often to investors who plan to renovate or rebuild.

The 50% rule in beach towns

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. Some local governments count improvements over several years, not only a single project. Confirm how the city applies the rule before you buy, because it can decide whether renovating or rebuilding makes more sense.

Older buildings and insurance

Much of the housing in St. Petersburg and Clearwater was built before 1980. Insurers often require a four-point inspection and may limit coverage on older roofs, plumbing, or electrical systems. Get an insurance quote early, because we require hazard insurance on every loan, plus flood insurance where applicable.

Small apartment buildings and older condos

St. Petersburg has many older apartment buildings with 5 to 20 units, which fall under our commercial bridge loans. Buyers of older condominium units should review the association's milestone structural inspection and reserve study, which Florida law now requires for many older buildings, because special assessments can affect the unit's value.

Example scenarios

These examples show how our loans are typically structured. They are not past transactions.

  • An investor buys a storm-damaged home in St. Petersburg for $350,000 using a bridge loan of up to $262,500, then renovates and sells.
  • An investor buys an older 8-unit apartment building in St. Petersburg for $1,000,000 using a commercial bridge loan of up to $700,000, then renovates units and refinances into long-term financing.
  • A business owner buys a $600,000 office building in Largo for their own company, using a commercial bridge loan of up to $420,000 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.

Get terms for Pinellas County loans Open the 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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Areas We Serve

© 2026 Skyway Bridge Lending, LLC

Skyway Bridge Lending, LLC provides business-purpose loans for real estate investment only. All loans are made exclusively for business, commercial, or investment purposes and are secured by investment properties or by non-residential commercial property used in the borrower's business. Skyway Bridge Lending does not make loans for personal, family, or household use and does not make loans secured by owner-occupied residences. This website does not constitute a commitment to lend. All loans are subject to underwriting approval, property review, and execution of definitive loan documentation. Skyway Bridge Lending, LLC is not a licensed mortgage lender or mortgage broker under Florida Statute Chapter 494 and operates exclusively within the business-purpose exclusion as defined by Fla. Stat. § 494.001(4).