Soviero Capital is a family-led private money lender based in Jupiter, Florida, and known as South Florida’s boutique money lender. The firm traces its start to its founder, a former managing director at a New York investment banking firm, who turned to private real estate lending to earn stronger, more controlled returns than his retired mother was seeing from bank CDs and stock funds. That founding idea, building wealth through steady, well-analyzed risk, still guides the business today.
In operation since 1982, Soviero Capital has provided more than $50 million in real estate loans to small-business borrowers in Florida and beyond, while delivering above-average returns to its accredited investors. The firm runs deliberately as a boutique to emphasize the close personal relationships it builds with borrowers and capital partners, many of whom are family and lifelong friends. It is managed primarily by the Soviero family, led by principal Tony Soviero alongside board members Christopher and Daniel Soviero.
Soviero Capital’s lending rests on a thorough, unbiased due diligence process overseen by a team that includes a former Assistant County Attorney, an investment banker, and a practicing real estate attorney. That discipline has produced a charge-off rate of under 0.3 percent across the firm’s 40-year history. With deep knowledge of Florida’s submarkets, laws, and local regulations, Soviero Capital funds proven borrowers and unique loan candidates that conventional lenders often pass on, including fix-and-flip investors who need speed and reliable funding.
Soviero Capital takes a relationship-driven, family-led approach to funding rather than a high-volume, automated one. Borrowers start by sharing the details of their deal directly with the firm, and each transaction is reviewed personally by the Soviero family and their advisors.
At the core of every loan is a thorough, unbiased due diligence process. The review is guided by a team that includes a former Assistant County Attorney, an investment banker, and a practicing real estate attorney, which keeps each deal compliant and protects the accredited investors whose capital backs the loans. That discipline is what lets Soviero Capital approve unique borrowers and projects conventional lenders may decline, while holding charge-offs under 0.3 percent across a 40-year history.
Because Soviero Capital operates as a boutique lender, borrowers work directly with decision-makers and receive terms tailored to each deal. Borrowers point to the firm’s speed, professionalism, and reliable funding, the qualities fix-and-flip investors depend on to close on time.
Contact Information:
1025 West Indiantown Road, Suite 106
Jupiter, Florida 33458
+1 (561) 278-0098
Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.