Benworth Capital
Benworth Capital is a privately held, family-operated hard money lender in Coral Gables, Florida, originating short-term asset-based real estate loans (purchase, refinance, construction, second mortgage) of $1,000 to $25 million to Florida real estate investors, fix-and-flip borrowers, and credit-challenged applicants, funded by private investors and operating under Florida and Puerto Rico lending licenses.
- Company typePrivate
- Founded2008
- HeadquartersCoral Gables, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Benworth Capital does
Benworth Capital is a privately held, family-operated hard money lender headquartered in Coral Gables, Florida, founded in 2008 during the global financial crisis to serve borrowers unable to access traditional bank financing. Operating exclusively in Florida real estate (with a Puerto Rico office opened in 2021), the company originates short-term, asset-based loans under multi-entity licensing including Benworth Capital Partners, LLC (NMLS #374363), Benworth Capital Partners PR LLC (NMLS #2234263), and Benworth Financial, LLC (Consumer Finance Company #CF9901387). The product portfolio spans Residential Mortgage, Commercial Mortgage, Property Refinance, Second Mortgage, Construction Loans, and Fix-and-Flip Loans, with loan amounts ranging from $1,000 to $25 million, terms of up to 2 years (purchase/refinance) or up to 5 years (second mortgage/cash-out refinance), interest rates starting at 11% APR, origination fees as low as 2.5%, and LTV caps of 65%.
The underwriting platform is asset-based, relying on property value and borrower ability-to-repay rather than credit scores or extensive documentation, enabling a 60-minute inquiry decision (between 9 a.m. and 7 p.m. EST), 24-hour approval, and rapid closings with no prepayment penalties. Benworth distributes through direct-to-consumer origination (website, phone, in-person), a Florida broker referral network with dedicated referral portal and SLA, and community partnerships including the Latin Builders Association. Loans are funded by private investors, and the company earned industry recognition as the LBA Lender of the Year in 2024 and was the fourth largest SBA PPP lender by volume in 2020 (deploying $4.5 billion to over 311,000 small businesses). An adjacent operating subsidiary, Benworth Family Office, extends the brand into family office services for high-net-worth clients.
Revenue is generated primarily through interest income on originated loans and origination fees, with a headcount of 11–50 employees supporting a long-tail customer base of real estate investors, fix-and-flip borrowers, credit-challenged applicants, foreign nationals, and developers. The leadership team is anchored by Founder Bernie Navarro (former mortgage company founder sold to the largest U.S. home lender at the time, University of Miami and Harvard alumnus, Past-President of the Latin Builders Association) and President Henry Jimenez (25+ years in real estate finance, founding partner). The company is certified as a Hispanic minority lender and holds no disclosed institutional equity or venture capital, remaining family-funded and privately held.
Benworth Capital firmographics
Firmographics- Name
- Benworth Capital
- Legal name
- Benworth Capital Partners LLC
- Website
- https://benworthcapital.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Benworth Capital is a privately held, family-operated hard money lender in Coral Gables, Florida, originating short-term asset-based real estate loans (purchase, refinance, construction, second mortgage) of $1,000 to $25 million to Florida real estate investors, fix-and-flip borrowers, and credit-challenged applicants, funded by private investors and operating under Florida and Puerto Rico lending licenses.
- Ownership category
- akta.pro rank
Benworth Capital industry classification
Industry- Product category
- Hard Money / Private Real Estate Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)
- akta.pro secondary industries
- Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Benworth Capital is headquartered
LocationHeadquarters
- HQ city
- Coral Gables
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Benworth Capital business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D
Revenue model
- Interest Income on Loans: Benworth Capital generates revenue primarily through interest charged on hard money loans. Loans are short-term (typically 2 years for purchase/refinance, up to 5 years for second mortgages), with rates starting at 11% APR.
- Origination Fees: The company charges origination fees on loans, with rates as low as 2.5% of the loan amount.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Residential Mortgage |
| Transaction based/ take rate | Multi-year contract | Commercial Mortgage |
| Transaction based/ take rate | Multi-year contract | Property Refinance / Cash-Out |
| Transaction based/ take rate | Multi-year contract | Second Mortgage |
| Transaction based/ take rate | Multi-year contract | Construction Loans |
| Transaction based/ take rate | Multi-year contract | Broker Referral Program Terms |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Benworth Capital product offering
Product offeringCore offering
Benworth Capital is a licensed hard money lender providing short-term, asset-based private loans on Florida real estate as an alternative to traditional bank financing. The company offers residential mortgages, commercial mortgages, cash-out refinancing, second mortgages, construction loans, and fix-and-flip financing ranging from $1,000 to $25 million, with approvals based on property value and borrower cash flow rather than credit scores.
Product overview
Benworth Capital is a hard money lender offering private loans as an alternative to traditional bank financing. The product portfolio consists of six core loan products: Residential Mortgage ($50K-$25M, 2-year term), Commercial Mortgage (for land/office/commercial property), Property Refinance (cash-out, up to $10M, 5-year term), Second Mortgage (up to $25K, 5-year term), Construction Loans ($100K-$10M, 2-year term with interest-only payments), and Fix-and-Flip Loans for investment property renovation. All loans are short-term, asset-based products focused on Florida real estate, with approval based on property value and borrower cash flow rather than credit scores. The company serves residential and commercial borrowers, real estate investors, and brokers seeking fast funding with minimal documentation requirements.
Differentiator
Problem solved
Functional benefit
Brands
- Benworth Family Office: Family office services operated as a separate entity with its own website (Benworthfamily.com).
Products and services
- Residential Mortgage
Quantifiable outcome
- Decision in 60 minutes for loan inquiries received between 9am and 7pm EST
- +3 more outcomes
Companies that use Benworth Capital
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles2 records
Benworth Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Benworth Capital partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered strategic and core.
- Latin Builders Association (LBA)strategicBenworth Capital has a strategic partnership with the Latin Builders Association, a 50+ year old organization driving economic growth in Florida. The partnership includes recognition as Lender of the Year and collaborative efforts to support small business communities.
- Real Estate Brokers (Referral Partner Network)coreBenworth Capital has established a referral partnership network with real estate brokers and agents across Florida. Brokers refer clients who need hard money loans and receive access to Benworth's fast 60-minute decision process and flexible loan products tailored to their clients' needs.
Scale indicators5 records
Recent moves7 records
Expansion highlights6 records
Benworth Capital competitors and assessment
Company assessmentDirect peers
- Kiavi (formerly LendingHome): Kiavi is a tech-enabled hard money lender offering fix-and-flip and new construction loans to real estate investors, competing head-on with Benworth's core investor lending products.
- Patch of Land: Patch of Land is a real estate crowdfunding marketplace that funds fix-and-flip and new construction loans, serving the same real estate investor segment as Benworth through alternative capital sourcing.
- CoreVest Finance: CoreVest is a private lender to residential real estate investors, offering fix-and-flip and rental portfolio loans — overlapping with Benworth's fix-and-flip and commercial mortgage products.
- LendingOne: LendingOne is a direct private mortgage lender offering bridge, fix-and-flip, and rental portfolio loans — directly comparable to Benworth's loan products and target borrower (real estate investors).
- Visio Financial Services: Visio Financial is a private/hard money lender providing bridge and fix-and-flip financing to real estate investors, with comparable loan size, term, and asset-based underwriting criteria.
- RCN Capital: RCN Capital is a private/hard money lender providing fix-and-flip, new construction, and rental loans to real estate investors, with a comparable broker referral distribution model.
- Lima One Capital: Lima One Capital is a direct hard money / private lender focused on fix-and-flip and rental property loans nationwide, with similar asset-based underwriting and broker referral channels as Benworth Capital.
Emerging players
- Groundfloor Finance: Groundfloor is a real estate crowdfunding platform funding fix-and-flip and new construction loans, addressing the same investor segment as Benworth through a retail-investor-funded capital model rather than private HNW capital.
- Do Hard Money: Do Hard Money is an online private lending platform offering short-term real estate loans directly to investors, leveraging digital origination channels as an emerging alternative to traditional hard money shops like Benworth.
Regional players
- EquityMax: EquityMax is a Florida-based hard money lender focused on residential and commercial real estate in the Southeast, with a regional positioning nearly identical to Benworth's Florida/Puerto Rico footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Benworth Capital social profiles
Digital presenceBenworth Capital compliance and trust
Trust signalCompliance3 records
Benworth Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Benworth Capital leadership team
Management profileNumber of profiles
Profiles2 records
Benworth Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Benworth Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Benworth Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Benworth Capital
What does Benworth Capital do?
Benworth Capital is a licensed hard money lender providing short-term, asset-based private loans on Florida real estate as an alternative to traditional bank financing. The company offers residential mortgages, commercial mortgages, cash-out refinancing, second mortgages, construction loans, and fix-and-flip financing ranging from $1,000 to $25 million, with approvals based on property value and borrower cash flow rather than credit scores.
Is Benworth Capital a public or private company?
Benworth Capital is a private company. It is classified as family owned and is currently operating.
When was Benworth Capital founded?
Benworth Capital was founded in 2008. It employs 11 to 50 people.
Where is Benworth Capital based?
Benworth Capital is headquartered in Coral Gables, United States, in the North America region.
How does Benworth Capital make money?
Two revenue lines are on record. Interest Income on Loans are the primary driver. The others are origination Fees.
Who are Benworth Capital's main competitors?
Direct peers on record are Kiavi (formerly LendingHome), Patch of Land, CoreVest Finance, LendingOne, Visio Financial Services, RCN Capital and Lima One Capital. Emerging players are Groundfloor Finance and Do Hard Money. EquityMax is listed as a regional player.
Does Benworth Capital have an API?
No public API is recorded for Benworth Capital.
What industry is Benworth Capital in?
Benworth Capital's product category is Hard Money / Private Real Estate Lending. Its primary akta.pro industry code is FSABADAE, Private Banking Lending (Securities-Backed, Real Estate, Structured Credit), with a secondary code of FSALADAH, Construction & Development (C&D) Lending — Commercial/Multifamily. Its NAICS code is 522 and its SIC code is 6162.