IRCA Capital is a licensed broker and servicing company founded by a group of financial experts determined to provide individuals and companies with the financial capital they need to thrive. For us, “When your company succeeds, the community blossoms” and this is the reason why we will always help you!

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Our team consists of financial experts with over 30 years of combined experience, and we work with over 70 financial institutions to provide custom-tailored financial solutions for individuals and companies. For IRCA Capital, “your financial success is our top priority.”

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We provide asset-based loans to beginners and experienced investors for non-owner-occupied residential real estate that is being purchased, renovated, and rehabbed. For experienced investors, IRCA Capital offers competitive hard money loans for new construction.

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With our reputation in Florida, coupled with the local relationships we have established in the state, IRCA Capital can arm you with a real estate team of community businesses to support your project. Our programs for hard money will help ensure your financing is available how and when you need it.

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We fund the deals local banks won’t even consider.

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From us, you can expect rapid underwriting, prompt closings, and hard money funding for individuals, companies, and trusts based solely on the value of your real estate. Also, IRCA Capital will work directly with individuals, mortgage brokers, banks, accountants, lawyers, and other professionals to custom-tailor a loan that is suitable for your situation.

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Our loans are predicated on our customers’ financial success. Our underwriting is based on your successful use of the funds we provide. We consider our customers as partners, not debtors. Your success is our success.

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Primarily we offer loans for purchase, refinance, fast-cash, construction, and investment rehab “flips.”
Among the property types we lend on are: single-family homes, condominiums, condo–hotel, mixed-use, multifamily, retail, office, and condo offices.

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IRCA Capital prides itself on offering the most competitive interest rates and closing costs available. We arrange both residential and commercial loans within the state of Florida.

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We understand that delays in funding can cause missed opportunities. Consequently, IRCA Capital makes it a point to clearly direct you through the process, so your funds become available quickly. We also can be an equity partner depending on the particular property. Let us know what you need and let us help you!