We’re a local, Florida-based private lender. We lend our own funds, often with no credit check, background check, or income requirements, so you can count on us to make fast decisions and provide the funding you need without the delays or complications of the big guys. Basically, we just do what we say we'll do. 

We specialize in Fix & Flip loans, Bridge Loans, Cash-Out Refinances and Cross-Collateral Loans to include no money down options,  and we’re here to support real estate investors and business owners looking for a straightforward, no-nonsense lending partner.  We are a true asset based lender, which means less red tape and more focus on your project.

We know how important it is to move quickly in real estate, so we’re always available to answer questions and make decisions fast. Our goal is to make the funding process as easy as possible, with clear terms and no surprises. When you work with SEP Capital, you’re working directly with a decision maker, and you can trust us to be there when you need us.