SEP Capital

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.

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

For more information on becoming a Co-lender, DM us today!...⠀We were recently paid back on a Ioan that stood out for a ...
02/26/2026

For more information on becoming a Co-lender, DM us today!...
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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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We recently funded a Ioan for an experienced investor to pick up a property on Redington Beach, FL. Solid upside, clear ...
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.

For more information on becoming a co-lender, DM us today!...
02/10/2026

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

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 acciden...
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.

Address

8403 Benjamin Road Suite G
Tampa, FL
33634

Telephone

+18137730250

Website

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