Get Funds For Your Deal ASAP
North Florida Hard Money Lender.
#HARDMONEYLOANS
YOU'VE GOT THE DEAL. WE HAVE THE FUNDS.
We help real estate investors in North Florida get the funds they need for fix and flip, rental homes and new construction
Fix & Flip Loans
Competitive Rates on Hard Money
Fix & Flip Loans
DCSR Loans
Debt Service Coverage Ratio
Rental Home Loans
New Construction Loans
Ground Up New Home Loans
# ABOUT US
We Love Investor Loans!
Pinnacle Investment Capital is a North Florida hard money lender built by real estate investors who understand one thing: deals are won or lost on speed, certainty and execution.
We fund fix-and-flips, rental investments and new construction for investors who are serious about scaling. That means fast decisions, clear terms and loan structures that make sense for the deal—not the bank.
When you work with Pinnacle Investment Capital, you’re not just getting capital—you’re getting a local lending partner who understands North Florida and is aligned with your success.
Our goal is simple: help you close more deals, move faster and keep more profit.
# CHOOSE YOUR LOAN
we got your back
Fix & Flips Loans
Our fix and flip loan program is fast, simple and stress-free with financing covering up to 90% of the purchase price and 100% of the renovation costs. Whether you are a seasoned real estate investor or first time house flipper, we make it easy to get the financing that you need.
Rates as low as 11%
Up to 90% LTV
No Minimum FICO Score
DSCR Loans
Our rental loan program was designed for real estate investors who always wanted to have their own rental portfolio. You can purchase properties directly in your LLC and no personal income is needed to qualify for financing. Instead, our program focuses on the value of the property being purchased and the rental income it can generate.
Rates as low as 5.875%
Up to 80% LTV
680 Min FICO Score
New Construction Loans
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Ground up consctruction loans
You find the lot, we fund the build
Business Insight Center
FAQ: You've Got Questions. We've Got Answers.
What is hard money & why do real estate investors need it?
Hard money is asset-based lending. Instead of qualifying you based on personal income or tax returns, hard money loans are primarily underwritten on the value of the property and the strength of the deal. These loans close faster, offer customizable terms, and can be paid off quickly, allowing investors to reduce interest costs and scale more efficiently.
What makes our loans different than bank loans?
Our loans are built specifically for real estate investors, removing many of the obstacles found in traditional bank financing. Qualification is based on the deal—not your personal income—resulting in less paperwork, faster approvals, and a higher likelihood of funding. Loans can be made to an LLC and may include renovation and repair costs.
How long is the application process?
Our fix & flip and rental loans typically close in 15 - 20 business days depending on how quickly information can be gathered. Once an appraisal is ordered, we work with clients to gather a basic list of documents. For fix and flip financing, this includes gathering your LLC formation documents, ordering hazard insurance, and creating a renovation budget and scope of work.
Do I need a business entity to secure a loan with Pinnacle Investment Capital?
Yes. You will need a business entity such as an LLC to obtain a loan from us.
Do you require appraisals?
Appraisals vary depending on financing needs. Send us your deal or give us a call and we will let you know if an appraisal is required for your specific deal.
Are there any financing fees?
We operate with complete transparency. All fees are clearly outlined upfront and collected only at closing, with origination based on the final loan amount—not estimates.
OUR TEAM
Bart Schroeer
Chief Executive Officer
Testimonials
People Love Us
Working with Bart and his team was an absolute joy. From the moment I filled out my app to the day we closed it was amazing. I've got my first fix & flip started and am now looking for my next deal. Thanks guys!
Tiffany Johnson
I was having a hard time getting the funding needed to purchase my next rental property and Bart and the crew made it easy. I'm happy I chose to work with Bart & Pennacle and am excited about the future!
Amanda Hopkins
Call: 904-591-0026
Email: [email protected]