Florida HOA Crisis? We Have the Solution.
$1M – $10M+ Capital When You Need It Most
- ✓ 30–45 Day Approval
- ✓ No Personal Guarantees
- ✓ 25-Year Terms
HOA Improvements Without Special Assessments? Yes, It’s Possible.
Flexible, long-term financing for Florida communities — without the red tape of traditional banks.
Before your board makes any major funding decision, you need the facts. Download now and walk into your next board meeting informed, empowered, and prepared to lead.
Why Most Florida HOAs Struggle to Fund Capital Projects
- Bank loans require large reserves and perfect financials
- Special assessments are unpopular with residents
- Reserve studies reveal millions in needed repairs
TuCielo is here to help.
We provide long-term, fixed-rate financing options for HOAs needing to fund major improvements — without burdening homeowners or sacrificing reserve funds.
Designed for HOAs, Not Just for Banks
| Feature | TuCielo | Traditional Bank |
|---|---|---|
| Loan Terms | Up to 25 years | Typically 5-10 years |
| Minimum Loan | $1,000,000+ | Varies |
| Underwriting | Flexible, Holistic | Strict financial criteria |
| Prepayment | Flexible options | Often penalties apply |
| No hammer clause |
*Get your full program guideline by requesting a free estimate below
Click Below to Submit Your Application
Before starting please gather the following information:
- 1. HOA legal entity name
- 2. Number of units
- 3. Year built of condominium
- 4. Contact info
- 5. Type of project
- 6. Cost of improvement / Reserves
- 7. Loan amount needed
- 8. Average monthly dues per unit
- 9. Current reserve fund balance
- 10. Annual operating budget
- 11. Delinquency rate percentage
- 12. Reserves studies PDF (max 500 MB)
- 13. Annual budget PDF (max 500 MB)
No hammer clause | DSCR included | Fixed-rate periods up to 12.5 years
How It Works
1
Consultation & Pre-Qualification
2
Customized Financing Proposal
3
Board Approval & Funding
No appraisals. No unit-level credit checks. Fast approvals.
Let's Talk About Your Community's Needs
