AI Underwriting Empowering FL Communities

About SolidGrounds Capital

SolidGrounds is an AI-First financial firm built on the belief that technology should drive every decision. Our underwriting process is designed to leverage advanced AI models at every stage, enabling us to analyze risk with precision and deliver decisions at a speed traditional firms can’t match. This AI-driven approach means communities and investors get faster turnarounds, smarter insights, and a more reliable path to capital

SolidGrounds approved our reserve funding in just 48-hours, which was a game-changer. Their AI underwriting was exactly what we needed to move fast and meet local compliance.”

Board President, Sunny Isles, 33160

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Innovative Lending

At SolidGrounds, our lending solutions are designed to give HOAs and condo associations fast, reliable access to capital without the burden of special assessments. By combining AI-powered underwriting with deep industry expertise, we deliver tailored financing for:

Emergency & Compliance Projects

Rapid funding solutions for urgent needs such as storm damage, life-safety repairs, or code enforcement mandates. Our AI-driven underwriting ensures your board can respond immediately, meet regulatory deadlines, and keep residents safe without waiting months for approval.

Reserve Fund Requirements

Financing designed to help HOAs comply with Florida’s new reserve funding laws and upcoming inspection mandates. Our AI-powered underwriting delivers capital quickly, so boards can build healthy reserves, avoid legal exposure, and protect property values without placing sudden financial strain on homeowners.

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Frequently Asked Questions

What is Solidgrounds Capital?

SolidGrounds is an AI-first financial platform built to help HOAs and condo associations access capital quickly and efficiently. We combine advanced underwriting technology with deep market expertise to deliver fast, compliant funding for reserves, repairs, and emergency projects—reducing the need for burdensome special assessments while protecting property values and community safety.

How does AI underwriting work?

What types of financing are available?

Who can apply for financing?

What are the eligibility requirements?

SolidGrounds offers tailored financing solutions for HOAs and condo associations, including reserve fund loans, structural repair financing, and emergency or compliance funding. Each option is powered by AI underwriting to deliver faster approvals and terms designed to fit the needs of your community—helping boards stay compliant, protect property values, and avoid costly special assessments.

Eligibility is based on an HOA or condo association’s ability to demonstrate financial stability and compliance with state regulations. Our AI-driven underwriting reviews factors such as reserve levels, assessment history, board governance, and property condition. Because the process is technology-driven, requirements are assessed quickly and fairly—making it easier for qualified communities to secure funding without unnecessary delays.

AI underwriting uses advanced algorithms to analyze an HOA’s financial health, property data, and compliance requirements in real time. Instead of relying only on manual reviews and outdated models, our system processes multiple data points at once—assessing risk faster and more accurately. This allows SolidGrounds to deliver lending decisions in days, not months, while reducing uncertainty for both boards and investors.

Any homeowners’ association (HOA) or condo association in Florida can apply for financing through SolidGrounds. We work directly with boards, property managers, and their legal or financial advisors to provide capital for reserves, structural repairs, and compliance projects. Our process is designed to be board-friendly, ensuring communities of all sizes can access the funding they need without overburdening homeowners.