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Private Group Lending — All 50 States

Construction & Commercial Real Estate Financing

Direct access to private capital for complex deals that traditional lenders won't touch. Fast decisions. Flexible underwriting. Reliable closings. A&J Gulf Blvd Capital originates and underwrites loans in-house, with qualifying transactions funded through a private family office investment fund.

$20M+
Maximum Loan Size
30+
Years Combined Experience
7–14
Days to Close
50
States We Lend In

We are a direct lender — not a broker

That distinction means faster decisions, greater flexibility, and one point of contact from application through funding.

⚡

Speed

Close in as little as 7–14 days. No committee delays, no last-minute retrading.

⚖️

Flexible Underwriting

We underwrite the deal, not just the borrower. Value-add, construction, and transitional assets all qualify.

✅

Certainty of Execution

Conditional approvals issued upon review. No surprises at the closing table.

🏗️

Operator Experience

Our principals have owned and operated commercial real estate, golf courses, marinas, and resort properties.

🗺️

Nationwide Platform

We lend in all 50 states across all major commercial property types.

🤝

Broker Friendly

We protect and compensate broker relationships on every transaction. Your fee is locked in upfront.

📋

Third-Party Due Diligence

A&J Gulf Blvd Capital does not charge upfront application, processing, underwriting, or origination fees. Those fees are collected at closing from loan proceeds. However, as is customary in commercial lending, borrowers are responsible for the cost of required independent third-party due diligence, which may include appraisals, Phase I or Phase II environmental reports, property condition assessments, inspections, engineering reports, surveys, or construction reviews. These third-party costs must be paid before the applicable report is ordered and are the borrower’s responsibility regardless of whether the loan ultimately closes. We encourage borrowers to consider this requirement before beginning the underwriting process so that time and resources are not unnecessarily expended by either party.

Jorge Martinez presenting A&J Gulf Blvd Capital direct private lending for commercial real estate, golf courses, marinas and development

Property types we finance

From conventional commercial to complex specialty assets, we have the underwriting depth to get your deal funded.

🏢

Office

Class A, B & C, suburban and urban

🛍️

Retail

Strip centers, single-tenant NNN, anchored

🏭

Industrial

Warehouse, flex, distribution, manufacturing

🏘️

Multifamily

Apartment communities, value-add, new construction

🏨

Hospitality

Hotels, motels, boutique resorts, extended stay

⛳

Golf & Clubs

Golf courses, country clubs, private clubs

⚓

Marina

Marinas, waterfront, dry stack, resorts

🏕️

RV & Self-Storage

RV resorts, campgrounds, storage facilities

🏗️

Land Development

Entitled and un-entitled land, subdivisions

From application to funding

A streamlined 5-step process designed for speed and transparency.

1

Application

Submit your loan package with required documents. Our team confirms receipt same day.

2

Underwriting

We review the deal, conduct due diligence, and evaluate the risk. We may request additional information.

3

Approval

Conditional approval is issued. You receive a term sheet outlining all loan parameters.

4

Closing

Final documents are prepared, executed, and funded. Our team coordinates every step.

5

Funding

Funds are disbursed and your project moves forward. As fast as 7–14 days from submission.

Let's structure your deal

Submit your loan package or reach out directly to discuss your project with our principals.

Request a Term Sheet
Jesus fish emblem — There are good people in the world. If you can't find one, be one.
About A&J Gulf Blvd Capital

Private Capital. Proven Execution.

A private lending group built by operators — principals who have owned, developed, and financed commercial real estate, golf courses, marinas, and resort properties firsthand.

Depth that institutional lenders lack

A&J Gulf Blvd Capital is a private lending group providing flexible financing solutions for commercial real estate and construction projects throughout the United States.

Our principals and lending partners bring over 30 years of combined experience in lending, underwriting, development, title services, and real estate finance — giving us the depth to move quickly and structure deals that traditional lenders can't.

We are not a broker. We are a direct private lending group with capital partners ready to deploy. That distinction means faster decisions, greater flexibility, and a single point of contact from application through closing.

30+ Years Combined Experience

Our principals and lending partners bring deep expertise in real estate, construction, and lending.

Direct Access to Capital

We offer direct access to private capital — we move quickly and structure deals traditional lenders can't.

Fast, Flexible, Reliable

We pride ourselves on fast decisions, flexible underwriting, and reliable closings on every transaction.

Relationship Driven

We build long-term relationships by delivering honest advice and creative financing solutions tailored to each project.

Why borrowers choose us

⚡

Speed — 7 to 14 days to close

No committee delays. Decisions are made by principals who understand the deal, not committees reading a memo.

📐

Flexibility — we underwrite the deal

Value-add, construction, transitional, and specialty assets all qualify. We look at the project, not just the borrower's FICO.

🔒

Certainty of execution

Conditional approvals issued upon review. No last-minute retrading or surprise conditions at closing.

🏌️

Operator experience

Principals have owned and operated golf courses, marinas, resorts, and commercial properties — we speak your language.

Real returns. Real experience.

Our principals don't just lend — they invest, operate, and deliver results. Here's one example of what that looks like in practice.

Acquired
2019
Initial Investment
Return on Investment
4x
Sale Price vs. Purchase Price
Sold
2024
Successful Exit
Hold Period
5 Yrs
Golf & Country Club Asset

Past performance is not a guarantee of future results. Results may vary based on market conditions and asset type.

Five country clubs owned and operated

Beyond lending, our principals have owned and operated golf and country club properties. That firsthand experience is why we underwrite golf, hospitality, and commercial assets with a level of insight that traditional lenders often cannot match.

Jennings Mill Country Club logo

Jennings Mill Country Club

Watkinsville, GA

Country Club of Gwinnett clubhouse Country Club of Gwinnett logo

Country Club of Gwinnett

Snellville, GA

Lane Creek Golf Club entrance sign

Lane Creek

Trenton, GA

Trenton Golf Club logo Trenton Golf Club entrance

Trenton Golf Club

Trenton, GA

Broker Partnership Program

We Protect and Reward Our Broker Relationships

We welcome mortgage brokers, investment bankers, commercial real estate professionals, and capital advisors. Your reputation and client relationships are your most valuable assets — we protect them.

What we offer broker partners

🔒 Fee Protection

Your compensation is agreed upon upfront and protected all the way through closing. No surprises, no retrading.

💰 Competitive Referral Fees

Competitive referral opportunities available for all qualified transactions we close together.

⚡ Fast Term Sheets

We issue indicative terms quickly so you can keep your client informed and maintain momentum on the deal.

📞 Direct Lender Access

You communicate directly with our principals — no middlemen, no delays, no telephone tag with account managers.

🗺️ Nationwide Submissions

We accept submissions from licensed brokers in all 50 states across all major commercial property types.

👤 Dedicated Support

Assigned relationship manager for your submissions and pipeline. You always know where your deal stands.

Start sending us deals

Contact us directly to register as a broker partner. We look forward to building a productive and profitable long-term relationship.

Register as a Broker
Borrower Resources

Loan Application Package

Download, fill out, and print the forms below. Then submit your completed package securely online using the upload section at the bottom of this page.

A&J Gulf Blvd Capital

Commercial Loan Application

1. Borrower Information
2. Loan Request
3. Financial Summary
4. Authorization

I/We authorize A&J Gulf Blvd Capital, its lending partners, affiliates, and assigns to obtain consumer and commercial credit reports and to verify employment, income, assets, liabilities, bank accounts, tax information, and any other information necessary to evaluate this loan request. This authorization remains effective until the application is withdrawn or the transaction is completed.

5. Signatures
Borrower Signature
Date
Co-Borrower Signature
Date
Broker (if applicable)
Date
Required Documents

A&J Gulf Blvd Capital

Personal Financial Statement

ASSETS Borrower ($) Co-Borrower ($)
Cash - Checking
Cash - Savings
Securities
Notes Receivable
Life Insurance CSV
Retirement Funds
Real Estate Value
Other Assets
TOTAL ASSETS
LIABILITIES Borrower ($) Co-Borrower ($)
Current Debt
Notes Payable
Taxes Payable
Real Estate Mortgages
Other Liabilities
TOTAL LIABILITIES
NET WORTH
SOURCES OF INCOME Borrower ($) Co-Borrower ($)
Employment
Salary
Bonus / Commissions
Real Estate Income
Other Income
TOTAL INCOME
Borrower Signature
Date

A&J Gulf Blvd Capital

Investor / General Contractor Track Record — Previous Projects (Last 24 Months)

# Type Property Address City ST Purchase Price ($) Purchase Date Rehab Budget ($) Sale Price ($) Profit ($)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
TOTALS / AVERAGES
Borrower Signature
Date

A&J Gulf Blvd Capital

Fix & Flip — Itemized Scope of Work & Draw Schedule

# Description Original Cost ($) Draw 1 ($) Draw 2 ($) Draw 3 ($) Draw 4 ($) Draw 5 ($)
1Plans/Engineering
2Permits
3Demolition
4Dump Fees
5Foundation/Footing/Slab
6Roofing
7Gutters/Downspouts
8Windows/Sliders
9Siding/Masonry/Stucco
10Ext Doors/Garage Doors
11Trusses
12Framing Material
13Framing Labor
14Plumbing-Rough
15Electrical-Rough
16HVAC
17Insulation
18Drywall/Tape/Texture
19Int Doors/Trim/Millwork
20Interior Painting
21Exterior Painting
22Cabinets/Vanities
23Countertops
24Hardwood Floors
25Tile/Vinyl/Lino
26Carpets
27Electrical Finish
28Plumbing Finish
29Finish Hardware
30Appliances
31Decking/Railing
32Fencing/Gates
33Hardscape/Patio
34Flatwork
35Landscaping
36Final Clean-Up
37Staging
38Unforeseen Expenses
39Misc.
SUBTOTAL / HARD COSTS
TOTAL CONSTRUCTION COSTS
Project Summary & Cost Breakdown
Borrower Signature
Date
Co-Borrower / Guarantor Signature
Date
General Contractor Signature
Date
Authorized Lender Representative
Date
Submit Your Package Online

Upload Your Documents

Completed your loan package? Upload your documents securely below and our team will review and be in touch within 24 hours.

Accepted formats: PDF, JPG, PNG, DOC, DOCX. Max 8MB per file.

Commercial Loan Application
Personal Financial Statement
Track Record
Scope of Work / Draw Schedule
Tax Returns
Bank Statements
Property Photos / Appraisal
Other Documents
🔒

Secure Document Submission

All documents are transmitted securely and reviewed only by authorized A&J Gulf Blvd Capital team members. Your information is kept strictly confidential.

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Get in Touch

Request a Term Sheet

Submit your loan inquiry or reach out directly. Our principals respond to all qualified submissions promptly.

Reach us directly

Address 360 Central Avenue
First Central Tower
St. Petersburg, FL 33701
Instagram @ajgulfblvd

Financing is subject to underwriting review, appraisal, title review, sponsor qualifications, and final investor approval. Rates and terms are subject to change without notice. This is not a commitment to lend.

Loan Inquiry Form

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