SEP Capital

Welcome to SEP Capital! Since 2013, we’ve been your trusted partner in lending. We’re not just a lender – we’re your solution.

Our journey began with the aim of making common sense financing easier and faster for you. At SEP Capital, we’re nothing like other hard money lenders. We’re a private lender and we use our own funds, which means we make decisions in the blink of an eye. Our team handles every step, from underwriting to servicing, ensuring your experience is seamless and lightning fast. We’re not here to judge you

r credit score or base our decision on some silly bank underwriting guidelines. We believe in the potential of your property. Being an asset-based lender, our focus is on its value and equity. That’s how we fund the deals that banks and institutional hard money lenders can’t. With our headquarters in Tampa, Florida, we’re proud to serve the entire state. From Key West to Pensacola, we’ve got you covered. No one can close deals as quickly as we can. We make things happen when other lenders can’t, and with no red tape. Join SEP Capital family, where we are dedicated to helping your financial goals in real estate. We’re not just a lender, we’re your partner on the journey to success.

03/06/2026

We were recently funded a well-structured deal that reflects how we approach risk and leverage.

The borrower owned a rental property outright and wanted to tap into that equity to acquire another investment property. We structured the Ioan against the existing asset and kept the loan-to-value below 50%, securing our position with substantial built-in equity from day one.

That foundation matters.

By using the equity in his existing property as collateral, the borrower was able to close on the new deal without tying up liquidity. His plan is straightforward: stabilize the new acquisition, refinance into a long-term DSCR Ioan, and then pay us back at this address.

Clear strategy. Defined exit. Real estate with meaningful equity behind it.

For our capital partners, that translates into a fixed, contractual return secured by low Ioan-to-value collateral — structured with capital preservation at the forefront.

We focus less on forecasting markets and more on controlling structure. When leverage is conservative and borrowers have real skin in the game, outcomes tend to follow.

DeaI Details:

NW 16th St, Miami, FL 33125
Total Ioan: $250,000
Collateral value: $530,000
LTV: 47%
Term: 24 Months

If you’d like to see how these investments work, please to reach out.

02/26/2026

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We were recently paid back on a Ioan that stood out for a few reasons.
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The borrower is a professional basketball player in the EuroLeague — but what mattered most to us wasn’t his career. It was the structure.
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He’s an active short-term rental investor in Florida and approached this project with significant capital of his own. On this deaI, he brought 50% down at closing. We funded the remaining portion, keeping the overall Ioan-to-value conservative from day one.
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That equity position changes everything.
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When a borrower has meaningful skin in the game, alignment is clear. Decisions are disciplined. Exit strategies remain flexible.
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In this case, the property performed well, and the borrower ultimately refinanced into a long-term rental product, paying us back in full as planned.
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For our capital partners, the story is straightforward: a fixed, contractual return earned on a well-collateralized asset, backed by substantial borrower equity.
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We don’t underwrite based on headlines or personalities. We underwrite based on leverage, equity, and exit strategy. The rest tends to take care of itself.
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DeaI Details:
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Battenwood Ct, Tampa, FL 33615
Total Ioan: $277,500
Collateral Value: $560,000
LTV: 50%
Length: 14 months
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Co-Lender Interest Earned: $34,965
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02/24/2026

We recently funded a Ioan for an experienced investor to pick up a property on Redington Beach, FL. Solid upside, clear renovation plan, exit already lined up.

He wanted to do this without bringing cash to closing.

He owned a condo in Orlando outright. So instead of him wiring funds to title, we structured a cross-collateral Ioan using the equity in his condo.

This is what that looked like:

He bought the Redington Beach property with $0 out of pocket.

We wrapped aII closing costs into the Ioan.

We held back six months of payments at his request so he doesn't have to make a single payment while he renovates and prepares to list it.

And this is the besț part — he actually walked away from the closing table with money in his pocket.

Name another lender that pays you for buying a property.

No credit checks.
No income requirements.
Just asset-based lending built around the deaI.

DeaI Details:

3rd St E, Redington Beach, FL 33708
Additional Collateral: Barletta Ln, Estero, FL 33928
Total Ioan: $510,000
Collateral value: $1,022,000
LTV: 50%
Term: 18 Months

If you own property outright and have been wondering how to do deals with no money out of pocket — this is exactly the type of structure we put together every week.

02/10/2026

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01/05/2026

As we close out 2025, I wanted to take a moment to say thank you.

SEP Capital’s growth this year didn’t happen by accident and it certainly didn’t happen alone. We grew more than 88% year over year, and that growth is directly tied to the trust and partnership of our capital investors.

But more than anything, what we’re most proud of is paying out over $1.8 million to our lending partners in 2025. That’s what matters most to us and reflects how we measure success.

Below is a snapshot of where the portfolio stands as we head into 2026:

Total Active Loan Volume YTD: $22,128,425
Total Active Loan Count YTD: 64

2025 New Loan Volume: $22,786,987
2024 Loan Volume Closed: $11,735,500
2025 Year Over Year Growth: 88.56%

Total Portfolio LTV: 54.09%

2025 Co-Lender Profits: $1,834,019

These numbers reflect our guiding principals: disciplined underwriting, low leverage, and steady ex*****on. More importantly, they reflect real doIIars paid out to our lending partners, secured by real assets and thoughtful structure.

As we begin 2026, our approach remains the same. We’ll continue to prioritize quality over quantity, conservative leverage over aggressive assumptions, and long-term relationships over short-term wins. The foundation we’ve built together puts us in a strong position for what’s ahead.

12/22/2025

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One of our long-time clients — an experienced fix-and-flip investor — came back to us with another project.

He’s completed dozens of successful deals with us over the years, and this one was no different. A straightforward fix-and-flip: make the repairs, update the property, then list it on the MLS for sale.

We handled the funding quickly and without the usual headaches — no credit checks, no income requirements, no endless back-and-forth. Just simple, quick capital from a team that knows how investors operate.

That’s why our clients keep coming back — because working with SEP Capital means no surprises, no delays, and no nonsense.

DeaI Details:

Country Ln, Lutz, FL 33935
Total Ioan: $590,000
Total Collateral value: $905,000
LTV: 65.19 %
Term: 12 Months

12/18/2025

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We were recently paid back on a ground-up construction project on the water in Venetian Isles, St Petersburg, one worth sharing because it highlights the type of opportunities we focus on.

The borrower is an experienced builder who funded both the acquisition and the full build himself and owned the property outright. Once construction was complete, the property was listed on the MLS for saIe. At the same time, the builder was advancing another project out of state and needed to tap into some of his equity to keep the out of state project moving forward.

We structured a short-term Ioan against this completed asset, secured by a very low Ioan-to-value position. The borrower was strong, the collateral was exceptional, and the equity cushion gave everyone flexibility.

The Ioan performed exactly as intended and was paid back in roughly seven months. Our investors earned a fixed, high-yield return throughout the term, secured by real equity in a completed waterfront property in a highly desirable neighborhood.

It’s a simple example of the model working the way it should—experienced operators, conservative leverage, and outcomes that stay predictable even when borrowers’ plans evolve.

DeaI Details:

Hawaii Ave NE, St. Petersburg, FL 33703
Total Ioan: $1,000,000
Collateral Value: $3,900,000
LTV: 26%
Length: 6 months

12/11/2025

No credit or income verification - DM us today!

One of our clients, an experienced rental and fix & flip investor, came to us with a property he wanted to take down quickly.

He owns several properties in the area and instead of tying up cash for his acquisition, we helped him tap into his equity so he could get into the deal with zero money out of pocket.

We covered everything — the acquisition, the closing costs, the fees.

He walked into a brand new deal without laying out a single dollar.

And as always, we did it with no credit checks, no income requirements, and no delays.

This is exactly why investors choose private capital when they need to move quick and keep their cash working elsewhere. Smart leverage, simple ex*****on, and a lender that makes the process painless.

If you’ve got a deal in motion or want to see what’s possible with one of your
existing properties, reach out to our team:

DeaI Details:

Immokalee Dr, Immokalee, FL 34142
Total Ioan: $220,000
Total Collateral value: $525,000
LTV: 41.9 %
Term: 12 Months

12/10/2025

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We were recently paid back on a Ioan that’s a good reminder of why conservative structure matters.

The borrower, both a residential and pool contractor, purchased this property for its lot value and put 50% down ($195k). His original plan was to tear down the property and build new. After leveling the structure, he decided to pivot and ultimately sold the lot to a builder, which allowed him to pay us back in full.

Not every project unfolds exactly the way a borrower intends. What matters is that the Ioan position protects our investors, giving the borrower multiple viable options and giving us confidence regardless of the direction the project takes.

Because we kept the Ioan-to-value low, the borrower had enough equity to maneuver. He had roughly $195k of his own capital in the deaI, which meant even if he needed to sell for well below the $410k he achieved, he still had room to cover the payoff. In the end, he did slightly better than break even—an acceptable outcome that preserved his position and delivered ours exactly as expected.

This deal is a simple example of the model working the way it should: disciplined underwriting, real equity, and predictable results for our capital partners.

DeaI Details:

Gulf View Blvd, Dunedin, FL 34698
Total Ioan: $194,000
Collateral Value: $330,000
LTV: 59%
Length: 12 months

Co-Lender Interest Earned: $20,952

12/05/2025

One of our repeat clients — an experienced fix-and-flip investor with several successful exits with us — brought us another project recently.

This one was as straightforward as it gets. He picked up the property, he’s making the repairs and updates, and once it’s ready, he’ll list it on the MLS for sale. A clean, cookie-cutter flip.

We handled the funding the way we always do for him: quick, simple, and without the usual headaches —
no credit checks, no income requirements, no back-and-forth.

That’s why investors like him keep coming back. We make financing easy so they can stay focused on the deal, not the lender.

DeaI Details:

Thayer St, Brooksville, FL 34601
Total Ioan: $250,000
Total Collateral value: $385,000
LTV: 65%
Term: 6 Months

12/01/2025

For more information on becoming a co-lender, DM us today!...

Address

8403 Benjamin Road Suite G
Tampa, FL
33634

Telephone

+18137730250

Website

http://www.sepcapital.com/

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