Miami private lender
First-position private financing for Miami real estate — reviewed directly by principals, sized for large and complex transactions, and built to close.
Matchpoint Lending is a Miami-based private real estate lender. We provide first-position, business-purpose loans from $1M to $100M+ throughout Florida, with our deepest experience in Miami and South Florida.
Borrowers come to us when the transaction is too large, too fast, or too specific for a conventional credit box — a hard closing date, a construction schedule, a waterfront acquisition, or a capital structure that requires judgment rather than a formula.
Acquisitions
First-position purchase financing when certainty of close is the difference between owning the asset and watching it trade away.
Refinances
Take-out, recapitalization, and time-sensitive refinance capital without a conventional committee process.
Construction
Ground-up and completion facilities with draws, land basis, hard costs, and completed value underwritten as one transaction.
Luxury residential
Business-purpose loans on high-value Miami homes and waterfront estates — including institutional-size single-asset financings.
Multifamily
Acquisition and repositioning capital for multifamily assets where timing and structure matter as much as leverage.
Commercial
First-position loans on retail, office, mixed-use, and hospitality properties across Miami.
Land
Select land and lot financing where controlling the site is the strategy — including development parcels and waterfront lots.
Typical leverage
Leverage is a starting point, not the entire decision. We size loans against basis, equity, exit, and downside — not a single LTV screen.
How Matchpoint works
Every Matchpoint transaction is reviewed by the people who can say yes. We underwrite the property, the sponsor’s true basis, equity alignment, the business plan, the exit, and the downside. If the deal works, you hear it directly. If it does not, you hear that just as quickly.
Proof
Published proof includes $72.5 million of first-position acquisition and construction financing on a Miami Beach waterfront estate, closed in 30 days, and $22.5 million refinanced in 18 days. The work is local. The capital is direct.
Published transactions
Acquisition + construction · Miami Beach
30 days · Waterfront estate
View transaction →Refinance · Miami Beach
18 days · Waterfront residence
View transaction →Acquisition · Coral Gables
7 days · Waterfront residence
View transaction →Construction · Surfside
20 days · 8,500 sq ft spec residence
View transaction →Loan programs
Questions
Matchpoint provides first-position, business-purpose loans from $1M to $100M+ for acquisitions, refinances, construction, luxury residential, multifamily, commercial, and land throughout Florida, with particular depth in Miami.
Qualified transactions can receive a term sheet within 24 hours and can close in as few as 5 days. Published Miami examples include a $72.5M facility closed in 30 days and a $22.5M refinance funded in 18 days.
Have a deal?
Submit the property, loan request, and timing. A Matchpoint principal reviews it directly.