Address: Orlando & Cocoa, FL 32926
ARV: $1,100,000 (As-is)
Loan Amount: $300,000.00
Loan Structure: 12 Months Interest Only
Interest Rate: 13%
LTV 30%
Loan Purpose: Cash-out Refi
Funded November 21, 2025
HML Solutions recently funded a strategic $300,000 commercial bridge loan secured by two owner occupied business properties located in Orlando and Cocoa, providing the borrower with fast access to working capital to support operational growth and business expansion. Structured at approximately 30% loan to value across both assets, the financing allowed the borrower to unlock significant equity while maintaining ownership and uninterrupted business operations.
The collateral consisted of two commercial properties serving as the foundation of a long standing owner operated business. The Orlando property operates as a junkyard situated on a sizable parcel with substantial space for storage, inventory processing, and future expansion. The Cocoa property supports an active towing operation strategically positioned to service surrounding markets with strong accessibility and steady demand. Combined, the properties carried an estimated value of approximately $1.1 million and were owned free and clear.
As business demand continued increasing, the borrower required immediate liquidity to fund operational improvements, expand capabilities, and improve efficiency across the junkyard and towing operations. Due to the operational nature of the business and the need for speed and flexibility, traditional financing sources were not positioned to move quickly enough to meet the borrower’s objectives.
Through HML Solutions’ streamlined asset based lending approach, the borrower was able to quickly convert dormant real estate equity into working capital without disrupting ongoing operations. The transaction highlights HML Solutions’ ability to structure flexible financing solutions for business owners seeking to leverage commercial real estate assets to support growth, expansion, and long term operational success.
