Commercial Mortgages

Horizon Mortgage Corporation has been the leading commercial mortgage banker on the West Coast of Florida since 1979 and named by Commercial Property News as the 36th largest commercial lender in the United States. Horizon Mortgage closes an average of approximately $350,000,000 per year in commercial mortgage placements.


Based in Sarasota, Florida, Horizon has secured financing on many transactions nationwide, including 42 of the 50 states. Such property locations include New York City, Chicago, Nashville, Portland, Denver, Houston, St. Louis, and many other communities throughout the country.


Horizon’s experience from numerous successful closings, knowledge of the commercial marketplace, and great client relationships, enhances the delivery of viable financing opportunities. All underwriting is done in house, so that all issues are addressed initially to ensure a prompt closing. You will find the Horizon team to be excellent problem solvers, which allows them to provide all of their clients with the best service possible.

Types of available financing

Acquisition Loans
To assist developers and investors in the purchase of existing commercial properties and sites for future development.

Construction Loans
Horizon arranges construction financing for developers and investors for to-be-built commercial properties. Construction financing is a short-term (usually 3 years) real estate loan which is meant to cover the cost of land development and building construction.

Permanent Loans
Horizon provides medium to long term permanent financing for all commercial property types. This loan structure is used to replace a construction loan, or to purchase existing commercial property.

Bridge Loans
Short term financing intended to provide or extend financing. Bridge loans are short-term funds that "bridge" the gap between today's needs and the final closing of a pending investment deal or long-term financing package. Horizon has secured numerous bridge loans for clients especially in today’s current market situations. Once this has been completed, Horizon can arrange for the permanent financing or sale of the property.

Mezzanine Loans
These loans are often used by developers to secure supplementary financing for development projects. Mezzanine loans are an additional layer of debt between the first mortgage loan and the owner’s equity, and are often collateralized by the stock of the development company.

FHA Loans
Horizon is also a correspondent for FHA and can provide government backed financing for senior housing facilities, health care properties, and multifamily housing through HUD, Fannie Mae, and Freddie Mac approved loans.

Business Financing
Horizon has extensive experience in providing business financing which includes equipment loans, leasehold build-out, debt refinance, as well as providing working capital. While rates and loan amounts are similar, the term of the loans typically exceed what conventional bank financing as well as capital lease structures will allow which equates to lower monthly payments.

Medical Financing
Horizon has worked extensively in the medical arena having closed on loans for medical office buildings as well as equipment financing. They types of medical office financing include construction, equity raises, and permanent debt. Horizon also has closed on loans which have provided financing for medical equipment purchases, build-out for medical offices, and working capital for physicians.

Small Loan Program
Horizon is an approved correspondent for several small balance loan programs. Typical small balance loans include transaction sizes of approximately $3,000,000 and less.

Horizon has successfully financed the following commercial property types: Apartments, Office Buildings, Industrial Facilities, Condominiums, Anchored and Unanchored Retail, Retirement Centers, Golf Course Facilities, Health Clubs, Hotels, Mobile Home Parks, Self Storage Facilities, RV Parks, and Land for Development.