SEP Capital

SEP Capital is a private lending firm based in Tampa, FL, reporting loan products that include bridge, commercial, DSCR, fix-and-flip, and rental portfolio financing. The company carries a Google rating of 5.0 based on 41 reviews, which represents the primary public third-party rating signal available; no corroborated BBB rating was found for inclusion here. Customer reviewers on Google describe experiences centered on fast closing and quick deal execution, with recurring mentions of clear communication, proactive service, and transparency throughout the lending process. These are public customer signals and are not independently verified by HardMoneySearch.

No negative customer review themes were identified in the current data, and no employee-sourced structural concerns were noted. It is worth flagging that NMLS verification has not been confirmed for this lender, so prospective borrowers are encouraged to independently confirm licensing status through NMLS Consumer Access before proceeding. The composite rating assigned to SEP Capital is 3.5/5.0 (Good Standing), reflecting available public signals when all available signals are weighed, and users should conduct their own due diligence when evaluating any private lender. This summary aggregates publicly available information retrieved as of 2026-07-02; users should verify details directly with the lender and official sources including NMLS Consumer Access.