Fund critical reserve projects with flexible terms, competitive rates, and zero-hassle approvals. Built specifically for homeowner associations.
From application to funding in as few as 4 to 8 weeks. Simple process, no surprises.
Submit your application and required documents. Most associations complete this in one to two business days.
Our team reviews your association financials, reserve study, and project details. Most reviews complete within 5 to 10 business days depending on documentation completeness.
Receive your loan terms and approval letter. Your board votes to accept, and we handle the documentation. This step typically takes one to two weeks.
Final documents are signed and funds are deposited directly to your reserve account. Total timeline from application to funding is typically 4 to 8 weeks.
HOALoans.com connects your community to complete
funding solutions so boards and owners see exactly how projects move forward.
Everything you need to know about HOA financing.
A specialized financing solution designed for HOAs, condo associations, and co-op boards. These loans fund large capital projects like roof replacements, concrete restoration, and plumbing upgrades without requiring immediate special assessments from homeowners. Association loans provide communities with the financial flexibility to tackle essential improvements while maintaining affordability for residents through manageable payment plans.
Florida condominium associations, HOAs, and co-ops that need to fund major repairs or capital improvements — particularly those with limited reserves, deferred maintenance, or project sizes that exceed what a bank will put on its balance sheet. We also work with commercial condo and business park associations. Expansion to additional states is planned for the future.
Associations use loans when reserve funds fall short, special assessments would create financial hardship, or urgent repairs are required for safety or compliance. Loans provide payment flexibility by spreading costs over time, allowing projects to begin immediately while maintaining stable monthly dues and preventing financial strain on the community.
Common area repairs and improvements including: roofing and waterproofing, concrete restoration, structural repairs, plumbing systems, elevator modernization, HVAC, impact windows and doors, seawall and marine structures, parking lot improvements, and hurricane protection. Financing is also available for required reserves.
Loans are amortized over the life of the improvement, with terms ranging from 5 to 25 years. Longer terms reduce per-unit monthly costs significantly. Interest rates are fixed or variable and competitive, based on association creditworthiness, market conditions, and project details. Example: A $1,000,000 roof replacement financed over 25 years could cost approximately $100 to $120 per unit per month in a 100-unit condo community
Typical loan amounts start around $250,000 for smaller projects and can exceed several million dollars for large associations. Financing is tailored to the community’s size, unit count, and project scope. There is no hard ceiling on loan size.
