The financing Florida associations deserve.

For capital improvements your bank won’t approve.

Your association is under pressure

Florida associations are facing mandatory repairs and compliance deadlines, but a lump-sum special assessment creates its own crisis. Boards face owner pushback, recall threats and personal liability. The work still needs to get done.

TuCielo was built for this

More associations approved

We work with properties banks decline, including those with deferred maintenance, reserve deficiencies and higher delinquency rates.

No funding ceiling

We fund what your project requires. No cap on loan size.

Manageable payments

Terms up to 25 years keep per-unit monthly costs affordable.

Faster decisions

We target a decision in weeks. Bank approvals can take months.

How it works

Tell us about your project.

Share the scope, the timeline and your funding situation.

We review and respond fast.

Our streamlined process means faster decisions, typically in weeks.

Clear path to get the work done.

Your board presents unit owners with a manageable monthly payment.

Your association gets funded.

We handle the financing so contractors get paid and work can begin.

TuCielo vs a traditional bank

Traditional Bank
Unlimited funding amount
Higher approval rate
Lower monthly payments
Refinance existing HOA loans

The people we serve

Board members

When a major assessment goes wrong, boards face owner lawsuits, recall efforts and community fallout. TuCielo gives you a payment option and a documented process that protects the board.

Property managers

One chaotic assessment can put your management contract at risk. TuCielo gives you a financing solution to present before the crisis hits.

Contractors

Your clients need funding to move forward. TuCielo gets projects funded so you get paid.

Built for Florida

90K+
projects completed in Florida
$2B+
financed across Florida
15 yrs
of Florida property financing experience

A 90-unit South Florida COA needed $5 million for major repairs. Their bank said no.

TuCielo funded the full scope on a 25-year term.

Calculate your monthly payment

See what financing could look like for your association.

TuCielo

Association financing estimator

Estimate monthly payments for your association and each unit owner based on your credit profile.

$

Total cost of the repair or improvement project

Minimum 15 units required

Select your association's credit profile to see the estimated rate.


Estimated monthly payments

Per unit owner

per month

Association total

per month

How we got there*

Project amount
+ Closing fees (5%)
+ Debt service coverage (6 months)
Total financed amount
Rate (fixed)
Term
Units

*Estimates only. Rate and monthly assessment payments shown are based on the credit profile selected and are for illustrative purposes only; actual rates and payments are subject to underwriting review and may differ. Closing fees and debt service coverage included in TuCielo financed amount. This is not an official loan commitment, pre-qualification or offer to lend. Contact TuCielo for a formal quote.

Contact us

See if TuCielo is right for your association.

Tell us about your project and we’ll set up a call with our financing team.