Address: Orlando, FL 32810
ARV: $4,000,000 (As-is)
Loan Amount: $750,000.00
Loan Structure: 12 Months Interest Only
Interest Rate: 13%
LTV 20%
Loan Purpose: Cash-out Refi
Funded November 25, 2025
HML Solutions recently funded a $750,000 bridge loan secured by a large scale land assemblage in Orlando, providing the borrowers with fast capital to refinance an approaching loan maturity while continuing to advance a long term redevelopment strategy. The financing also included a modest cash out component, giving the borrowers additional flexibility as they worked toward their planned exit through a pending sale.
The collateral consisted of four parcels totaling approximately 53 acres, including a 29 acre former construction and demolition landfill that has since been professionally capped and designated as a brownfield site. Since acquiring the property in 2020 through seller financing, the borrowers invested more than $646,300 toward acquisition costs and an additional $400,000 plus into environmental remediation, engineering, and surveying improvements. The property is currently zoned agricultural, with plans underway to transition the site toward industrial use to enhance long term redevelopment value.
The borrowers required immediate refinancing due to an approaching maturity deadline tied to the original seller financing. Supporting the strength of the transaction was a recent appraisal valuing the 29 acre parcel at approximately $4,000,000, along with a pending sale contract for $2,875,000 backed by a $1,000,000 escrow deposit.
Through HML Solutions’ asset based lending approach, our team expedited underwriting, due diligence, and closing to meet the borrower’s critical timeline and help stabilize the asset while positioning the project for a successful exit. The transaction highlights HML Solutions’ ability to structure and fund complex land and redevelopment deals with speed, flexibility, and creative execution when traditional lenders cannot perform.
