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Benworth

About Us

Benworth Capital is a hard money lender. Quite simply, we’re a financing source that is a lot different than a bank, but just as trustworthy and reliable.

Headquartered in Coral Gables, Florida, we opened our doors in 2008, when many banks were closing theirs because of the global financial crisis. We observed community members with the cash flow and borrower integrity to repay a loan obligation who were left without a source for financing.
We were inspired. With a shared passion for the value and importance of owning real estate, especially during the economic disaster, we created a lending alternative by offering borrowers private loans. Our loans are also referred to as hard money loans. Following our success in Florida, we opened an office in San Juan, Puerto Rico in 2021.

We’ve grown to become one of Florida’s premier hard money lenders, focusing exclusively on transactions involving real estate in Florida.

Currently, we finance property in Florida. It’s the market we know best (and love).

  • Loans to purchase real estate
  • Loans to refinance real estate
  • Loans to finance real estate construction projects
We approve loans that banks won’t.
Lending Integrity

Recognized by the National Association of Mortgage Brokers for high standards of ethics, integrity, professionalism and knowledge in the mortgage industry.

We approve loans that
banks won’t.

We make the decisions to fund hard money loans based on our unique criteria that’s a lot different than a bank, credit union, or mainstream online lender. The funds used for our hard money loans are from private investors who believe in the potential of real estate as much as we do. We consider three main factors when making a loan decision:

  • The borrower's ability to repay the loan, primarily income earned from employment.
  • The value of the property.
  • The borrower's equity in the property. For a purchase, this means the downpayment amount. For a refinance equity is the value of the property less the balance in a current mortgage.

There’s more that makes
us different.

Anyone (with cash) can fund a loan but we’re different than a great uncle or the cash-rich entrepreneur down the street. Benworth Capital is licensed to lend. And that’s a big deal, especially in Florida, because it’s the law. It’s an even bigger deal for borrowers because that means our borrowers are protected by U.S. regulations that oversee our industry.

There’s more that makes us different.
  • 221 Avenida Ponce de Leon,
    Suite 1401,
    San Juan, PR 00917
About Our Founder
Bernie Navarro

Bernie Navarro is the founder and president of Benworth Capital. An entrepreneur by its truest definition, Bernie has been active in the Florida real estate sector for the duration of his professional career. After graduating from the University of Miami and Harvard University, he hit the streets as a mortgage lending officer. He progressed to form his own mortgage company, which was later sold to the largest home lending company in the U.S. at the time.

A thought leader with an affinity for the power of education, Bernie has been appointed to some of the most prestigious positions in the South Florida community.

  • Governor-appointed member and Past Chair of the Board of Trustees of Miami Dade College
  • Past-President of the Latin Builders Association
  • Founder of the first charter high school started by a professional association in the U.S., now part of the Mater Academy public charter school system
  • Founding Board Member of The Idea Center at Miami Dade College
  • Past Member of the University of Miami School of Business Advisory Board for Real Estate Programs 
  • Member of Marco Rubio’s Judicial Advisory Commission for 117th Congress
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  • The David William Hotel
    700 Biltmore Way, Suite C1
    Coral Gables, FL 33134
  • 305-444-9730

  • 221 Avenida Ponce de Leon,
    Suite 1401,
    San Juan, PR 00917
  • 787-945-0624

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© 2024 Benworth Capital Partners PR LLC NMLS #2234263 House Equal Housing Lender.
Benworth Financial, LLC  is a licensed Consumer Finance Company #CF9901387.

Disclaimers: Benworth Capital Partners PR, LLC makes loans solely for business purposes (and not for personal or consumer use) and is exempt from licensing in all states in which it operates. Benworth Capital Partners PR, LLC does not lend on owner-occupied properties. Listed rates, terms, and conditions are offered only to qualified borrowers, may vary by loan product, deal structure, property type, or other applicable considerations, and are subject to change at any time without notice. Furthermore, any Letter of Intent issued by Benworth Capital Partners PR, LLC shall, at Benworth Capital Partners PR, LLC’s discretion, be subject to revocation, modification and cancellation up and to the moment the transaction is completed.  No information on this site is intended to, or shall, created a legally binding commitment or obligation on the part of Benworth Capital Partners PR, LLC, and all terms are expressly subject to Benworth Capital Partners PR, LLC ‘s credit, legal, and investment approval process.

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