Condo Association & HOA Loans

Samtov Finance LLC provides loans to communities across Florida, helping condominium associations and HOAs finance their immediate needs in a fast and transparent way

Let’s get your loan approved

Loans for any need: structural repairs, code compliance, reserve funding, insurance payments
Associations of all sizes
Loan amount starting at $50,000
Approvals as fast as 24 hours
1-10 year loan term (amortization)
No personal guarantee
Milestone Inspection and Structural Integrity Reserve Study (SIRS) are welcome
Bank refused your loan? talk to us!

Frequently Asked Questions

An HOA loan is a loan provided to a homeowners association (HOA) or condo association to finance major repairs, improvements, or unexpected expenses. The association repays the loan over time, often using special assessments or regular dues.
Yes. Samtov Finance LLC is the lender of the HOA loans.
Samtov Finance provides funding for a wide range of essential association needs, including:
- Structural repairs: roofing, foundation, electrical etc.
- Safety & code compliance
- Reserve funding and replenishment
- Insurance payments
- Expenses related to Milestone Inspections and Structural Integrity Reserve Study (SIRS)
Absolutely! When banks say no, we say yes. We can get you approved fast, while traditional bank loans may take months to process and deny your loan.
Starting at $50,000 we extend loans of any amount.
We strive to offer the most competitive terms. While interest rate are determined after due diligence and risk assessment, it’s best expect private lending rates.
Yes. At Samtov Finance we regularly work with associations that don’t have reserve funds. While many banks require strong reserves, we evaluate each community based on the overall financial picture, project urgency, and repayment strategy.
Yes. Banks may refuse to lend to communities with higher delinquency. At Samtov we welcome them to get a loan from us.
We can approve a loan as fast as 24 hours once we have all the necessary paperwork.
We collect all financials statements, annual budget, delinquencies (aging report), repair schedule and estimates etc. Please contact us for a list of required documents.
No personal guarantee. The loan is secured by the assets of the community.