Florida Condo & HOA Funding
The deadline is real. So is the capital.
JPMorganChase has committed approximately $2 billion in financing capacity toward Florida association funding. Our lending partners offer terms up to 30 years for SIRS reserves, milestone repairs, and capital projects. Find out if your community qualifies in 60 seconds.
See If Your Association Qualifies →No credit pull · No obligation
How it works
1 · Answer 7 questions
60 seconds, about your community — no documents needed yet.
2 · Talk to a specialist
We review your situation and prepare your funding readiness package.
3 · Get funded
We connect you with institutional lending partners — terms up to 30 years.
Does your community qualify?
Lending partners in this program generally look for communities that meet this profile. Not sure about a number? Answer “not sure” — we’ll help you find it.
Check your community’s eligibility
Seven quick questions. No documents needed yet.
What's your role in the community?
Common questions
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?
Under Florida Statutes Section 553.899, many condominium associations must complete structural inspections and adequately fund reserves by the end of 2026. 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.