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

We work with properties banks decline, including those with deferred maintenance, reserve deficiencies, and higher delinquency rates. We fund what your project requires. No cap on loan size. Terms up to 25 years keep per-unit monthly costs affordable. We target a decision in weeks. Bank approvals can take months.

How it works

Share the scope, the timeline and your funding situation. Our streamlined process means faster decisions, typically in weeks. Your board presents unit owners with a manageable monthly payment. We handle the financing so contractors get paid and work can begin.

TuCielo vs a traditional bank

Traditional bank

TuCielo

Loan ceiling

Caps at balance sheet limit. When
your project exceeds it, they stop.

No ceiling. We fund what your project
requires.

Approval rate

Caps at balance sheet limit. When
your project exceeds it, they stop.

No ceiling. We fund what your project
requires.

Amortization

Caps at balance sheet limit. When
your project exceeds it, they stop.

No ceiling. We fund what your project
requires.

Existing loans

Caps at balance sheet limit. When
your project exceeds it, they stop.

No ceiling. We fund what your project
requires.