Florida Condo & HOA Capital

Capital,
one step at a time.

JPMorganChase has committed approximately $2 billion in financing capacity toward Florida association funding.

60 seconds · no credit pull
$0B
committed capacity
0 yr
maximum terms
Dec 31
2026 SIRS outer deadline

The Ascent

Five steps from assessment to funded.

  1. 1AssessWe review your reserves, SIRS, and milestone-inspection status.
  2. 2QualifyWe match your community to the right institutional program.
  3. 3PackageWe assemble your funding readiness package — documents ready.
  4. 4UnderwriteLending partners review the file — terms up to 30 years.
  5. 5FundCapital reaches your association. The work begins.

Programs

Three paths to the same outcome — the repairs get done.

Why boards choose us

Institutional weight, without the institutional runaround.

$2Binstitutional program

Your community is backed by a $2 billion institutional lending program built for associations.

30 yrup to 30-year terms

Repayment terms extend up to 30 years, sized to your reserves and budget.

Association-levelfinancing

Financing is structured at the association level — not against any individual board member.

Document-readyreadiness package

We prepare your funding readiness package so your file arrives complete.

§718.112(2)(g), Fla. Stat. — Structural Integrity Reserve Study

The deadline is December 31, 2026.

Boards that plan early have the most options.

Structural Integrity Reserve Studies (SIRS) must be completed by this deadline; milestone inspections follow a separate age-based schedule. Securing capital ahead keeps the choice — and the timeline — in the board’s hands.

Florida Statutes §553.899 (milestone inspections) and §718.112(2)(g) (structural integrity reserve studies). Requirements vary by building; consult your association’s counsel.

Check eligibility

See what your association qualifies for.

Tell us about your community. A funding specialist reviews it and prepares your readiness package — no documents needed to start.

  • ✓60 seconds to complete
  • ✓No credit pull — ever
  • ✓No obligation

See what your association qualifies for

Common questions

Straight answers, before you ask.

Is HOA Capital a lender?+

No. We help qualifying Florida associations prepare and connect with institutional lending partners. All credit decisions are made by the lender.

What can the funding cover?+

Structural repairs, milestone-inspection remediation, SIRS reserve funding, roofs, concrete restoration, and other capital projects your association is required or elects to complete.

What is the December 31, 2026 deadline?+

December 31, 2026 is the outer deadline for many condominium associations to complete a Structural Integrity Reserve Study (SIRS) under Section 718.112, Florida Statutes, as amended in 2025. Milestone structural inspections under Section 553.899 run on a separate age-based schedule. Associations that plan early have more options.

Does checking eligibility affect anyone's credit?+

No. The assessment asks about your community, not any individual. There is no credit pull.

How large are these loans?+

Programs our partners operate are designed for associations — from hundreds of thousands to tens of millions, with terms up to 30 years.