Fast, asset-backed bridge financing for Florida’s most sought-after real estate — from our Singapore headquarters, with access to global capital no domestic lender can match.
- $32M — Miami waterfront profile deal
- 8 Days — Fastest close (LA benchmark)
- 70% — Max LTV available
- 24hr — Initial term sheet turnaround
Introduction
Florida has become one of the world’s great luxury real estate destinations. From the global-city energy of Miami’s Brickell and South Beach to the heritage estates of Palm Beach, the deep-water mega-yachting lifestyle of Fort Lauderdale, the Gulf-side compounds of Naples, and the island retreat of Fisher Island — Florida attracts international capital at a pace that has made it one of the three most important US real estate markets for HNW and UHNW global investors.
And yet, the very qualities that make Florida real estate so attractive to global wealth — its international buyer base, its high-value property concentrations, its appetite for cross-border investment — are precisely the qualities that most US bridge lenders are least equipped to serve.
America Mortgages and Global Mortgage Group (GMG) are built differently. Headquartered in Singapore — the financial capital of Asia and the wealth management hub of the Indo-Pacific — we bring an entirely different capital architecture to Florida real estate bridge lending. One that is global by design, fast by structure, and purposely built for the clients that conventional US lenders decline.
Why Florida’s HNW Real Estate Market Needs a Global Bridge Lender
The profile of Florida’s luxury buyer has changed dramatically over the past decade. Brazilian, Colombian, Venezuelan, Argentinian, and wider Latin American capital has long driven Miami’s super-prime market. But the buyer base now extends to Chinese family offices, Middle Eastern sovereign-adjacent wealth, European private banking clients, and South and Southeast Asian HNW individuals who view Miami in particular as a natural complement to Singapore and Dubai in a globally diversified real estate portfolio.
These buyers — and the existing Florida property holders among this same population — face a structural lending gap. US banks require income documentation, credit histories, and Social Security Numbers that international investors either cannot provide or have no reason to possess. Domestic hard money lenders have neither the capital scale for $20 million, $30 million, or $75 million transactions, nor the international underwriting framework needed to assess wealth held in offshore structures, foreign currencies, or across multiple jurisdictions.
The result is a massive unfulfilled demand for fast, globally underwritten, asset-based bridge financing in Florida’s premium real estate market. America Mortgages and GMG fill this gap — and have done so with documented, closed transactions at exactly the deal sizes and complexity levels that define Florida’s luxury tier.
Fast bridging loans from the US help businesses and individuals finance urgent projects with short-term loans or buy commercial or residential property anywhere — including abroad. Personal or company financials are not required.
— Robert Chadwick, CEO, America Mortgages
Florida Bridge Loan Locations: Where We Lend
Miami & Miami Beach
Brickell, South Beach, Coconut Grove, Coral Gables, Key Biscayne, Wynwood, and the Design District. Waterfront condos, penthouses, estates, and commercial real estate.
Palm Beach & Palm Beach County
Palm Beach island estates, West Palm Beach commercial and residential, Wellington equestrian properties, and Boca Raton luxury real estate.
Fort Lauderdale & Broward County
Waterfront deep-water estates, Las Olas luxury condos, Hillsboro Beach, and the broader Fort Lauderdale luxury market.
Naples & Southwest Florida
Naples Gulf-front estates, Marco Island, Bonita Springs, and Sarasota high-value real estate. Trophy assets and vacation home equity release.
Orlando & Central Florida
Commercial, hospitality, and development site bridge financing in the Orlando metro and central Florida growth corridor.
The Florida Keys
Key West, Islamorada, Marathon, and upper Keys luxury real estate bridge loans for international buyers and equity release transactions.
Florida Bridge Loans: Property Types We Finance
America Mortgages and GMG fund bridge loans across all Florida real estate asset classes — from individual luxury residences to commercial portfolios and development projects at scale:
Owner-Occupied Luxury Residences
Miami Beach estates, Palm Beach island properties, waterfront compounds, and trophy homes. Including vacant, second-home, and corporate retreat holdings where bank financing is unavailable.
Investment & Buy-to-Let Properties
Income-producing properties, short-term rental assets, and multi-property investment portfolios in Florida’s high-demand rental markets.
Commercial Real Estate
Office, retail, hospitality, and mixed-use commercial assets across Miami, Fort Lauderdale, Palm Beach, and statewide.
Development & Construction Sites
Pre-development land, construction bridge financing, and development completion bridge loans for Florida’s active development pipeline.
Distressed & Time-Sensitive Acquisitions
Distressed luxury assets, foreclosure acquisitions, and time-sensitive deals where a $32 million waterfront property hits the market at below-market pricing and requires capital in days, not months.
High-Value Trophy Assets
Iconic properties, branded residences, Fisher Island, Star Island, and ultra-premium estates that require lender sophistication commensurate with the asset.
The Singapore Headquarters Advantage in Florida Bridge Lending
The question we are most often asked by Florida-focused brokers and private bankers is: why does it matter that your headquarters is in Singapore for a Florida bridge loan?
The answer is capital architecture. America Mortgages, as the US subsidiary of Global Mortgage Group, does not rely on a single domestic capital source. Our Singapore headquarters provides direct, active relationships with Asian family office capital, Singapore-based private lending funds, and institutional investors across the Indo-Pacific who have both the appetite for US real estate-backed credit and the capital volume to fund transactions at $30 million, $50 million, and $75 million without committee delay.
These capital relationships are layered with European private bank connections and US debt fund access — meaning the capital structure for any Florida bridge loan is genuinely multi-source and globally competitive. The rate a client receives reflects competition across multiple funding pools, not the margin requirements of a single domestic fund.
This is why we can close a $32 million Miami waterfront bridge loan faster, at more competitive pricing, with higher LTV options, than any domestically funded Florida hard money lender — and why private banks and family offices in Switzerland, Singapore, and Dubai refer their most complex Florida financing requirements directly to us.
Global funding reach paired with deep local expertise uniquely positions us to deliver faster, smarter, cheaper and more effective solutions in the US bridge lending market. Whether your wealth is generated in Shanghai, structured in Geneva, or deployed in Miami, our asset-based lending platform connects global capital to US real estate.
— Robert Chadwick, CEO, America Mortgages
Featured Florida Bridge Loan Transaction
$32M Distressed Waterfront Acquisition — Fast Close, Asset-Only Underwriting
A distressed $32 million Miami waterfront property became available at below-market pricing, requiring capital deployment within days. The international buyer — a Southeast Asian family office — had no US Social Security Number, no US credit history, and income structured entirely through offshore holding vehicles. Conventional banks required 60+ days and three years of US tax returns.
America Mortgages structured a full asset-based bridge facility against the property value and the buyer’s credible exit strategy (refinance to long-term investment mortgage within 18 months). The term sheet was issued within 24 hours. Close was achieved within 14 business days.
Key Details
- $32,000,000 — Property Value
- Asset-Only — Underwriting Basis
- 24 Hours — Term Sheet
- 14 Days — Time to Close
Florida Bridge Loan Parameters
- Minimum Loan Amount: $1,000,000
- Maximum Loan Amount: No stated limit. Capacity demonstrated at $75M+
- Loan-to-Value: Up to 65% LTV standard; up to 70% LTV in select cases
- Loan Terms: 12 to 36 months; interest-only structures available
- Interest Rates: From single-digit rates on premium assets; 9%–15% range
- Close Timeline: 8–14 business days for qualifying transactions
- SSN: Not required for foreign nationals
- US Tax Returns: Not required
- US Credit History: Not required
- Employment Verification: Not required
- Personal Guarantee: Often not required
Frequently Asked Questions: Florida Bridge Loans
Q1: Can a foreign national or non-resident get a bridge loan on Florida real estate?
A: Yes. This is our core specialisation. We serve foreign nationals from across Latin America, Asia, the Middle East, and Europe who hold or are acquiring Florida real estate. No US SSN, no US tax returns, no employment verification required.
Q2: Do you fund bridge loans on Miami vacation homes and second properties?
A: Yes. We have specifically funded bridge loans on properties held as second homes, vacation properties, and corporate retreats — situations where bank financing is unavailable. The underwriting is based entirely on the property value and exit strategy.
Q3: How does your Florida bridge loan compare to a hard money loan?
A: America Mortgages offers the flexibility and speed of hard money lending with the pricing and capacity advantages of global institutional capital access.
Q4: Do you fund development and construction bridge loans in Florida?
A: Yes. We fund development site acquisition bridge loans, construction bridge financing, and pre-development bridge loans across Florida.
Q5: What is the quickest a Florida bridge loan can close?
A: Our fastest close benchmark is 8 business days (Los Angeles transaction). For Florida transactions, 10–14 business days is a representative timeline for qualifying deals.
Get Florida Bridge Loan Terms in 24 Hours
Speak directly with a specialist. No forms. No call centres. A private, confidential conversation with someone who has structured transactions at every level of the Florida real estate market.
Robert Chadwick
US: +1-830-217-6608
SG: +65 8430-1541
[email protected]
