Apply Here for Your HOA Loan

An HOA loan is a loan provided to a homeowners association (HOA) or condominium association (COA) 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.

Call us for a free consultation at 754-900-7252, send us an email at info@samtov.com, or click here to leave us a message on the website.

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! We say yes to loans that were denied by banks. 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.

Samtov Finance specializes in providing loans for condominium and homeowner association for the following reasons:

• Roof Replacement

• Concrete Restoration

• Elevator Modernization

• Structural Repairs and Foundation Stabilization

• Milestone Inspection Repairs

• Structural Integrity Reserve Study (SIRS) Compliance

• Reserve Funding and Replenishment

• Waterproofing and Building Envelope Restoration

• Plumbing Repiping and Infrastructure Upgrades

• Parking Garage and Concrete Deck Restoration

• Insurance Deductible and Hurricane Damage Repairs

• Safety and Code Compliance Upgrades

• Balcony Restoration and Waterproofing

• HVAC and Cooling Tower Replacement

• Fire Alarm and Life Safety System Upgrades

• Electrical System and Panel Upgrades

• Window and Sliding Glass Door Replacement

• Pool and Amenities Renovation

• Seawall and Marina Repairs

• Emergency Structural Stabilization and Deferred Maintenance Repairs

• Capital Improvements and Common Area Renovations

• Emergency Repairs and Unplanned Association Expenses

• General Condominium Association Borrowing and Financing Needs

• Special Assessment Financing for Condo Associations

• Any Lawful Condominium Association Purpose Permitted by Governing Documents and Florida Law

No personal guarantee. The loan is secured by the assets of the community.