The Leading Hard Money Lenders Georgia for Real Estate Investment Properties
Where To Find Georgia Hard Money Lenders
#1 Rated Hard Money Lenders Georgia
Submitting your application package is quick and easy.
Georgia Hard Money Loans – Fast Closings in 7–10 Days
Serving Atlanta, Savannah, Augusta, Columbus, Macon, and Athens with
fix & flip, spec construction, DSCR, multifamily, commercial, and
asset-based loan programs.
We Lend in:
Atlanta, Columbus, Augusta, Savannah, Athens, Sandy Springs, Roswell, Johns Creek, Albany, Warner Robins and all cities in Georgia
Georgia’s Trusted Hard Money Lender
- 25+ Years Lending Experience
- Over 26,000 Loans Closed Nationwide
- $3.5 Billion+ Funded
- Same-Day Draws for Builders
- Local Expertise in Georgia’s Top Markets
Georgia Loan Programs
Fix & Flip Loans
Up to 90% purchase and 100% repairs. Fast closings with flexible draws for rehab projects.
Spec Construction Loans
Builder financing with same-day draws and closings in 8–10 days. Perfect for new builds without pre-sold buyers.
DSCR Loans
Qualify based on rental income covering debt service. No W‑2s or tax returns required.
Multifamily Loans
Financing for 5+ unit apartment buildings, structured around rental cash flow and property performance.
Commercial Property Loans
Asset-based financing for offices, retail, mixed-use, and industrial properties across Georgia.
Asset Based Loans
Collateral-driven financing using property equity or liquid assets, not personal income.
Serving Georgia’s Top Investment Markets
We lend across the entire state, with deep expertise in:
- Atlanta – Georgia’s largest fix & flip and rental market.
- Savannah – Coastal short-term rental and historic rehab opportunities.
- Augusta – Growing demand for multifamily and rental housing.
- Columbus – Affordable entry points for new investors.
- Macon – Strong rental yields and rehab potential.
- Athens – Student housing and DSCR loan opportunities.
Why Invest in Georgia Real Estate?
Georgia offers diverse opportunities for investors. Atlanta’s booming metro area drives demand for rentals and flips, Savannah’s tourism supports short-term rentals, and Augusta and Columbus provide affordable entry points with strong appreciation potential. Whether you’re a builder, flipper, or long-term investor, Georgia is one of the hottest real estate markets in the Southeast.
How to Get Approved in Georgia
- Submit your deal online or by phone.
- Receive a term sheet within 24 hours.
- Close in 7–10 days with same-day draws.
Investment Loan Programs in Georgia
Georgia Fix & Flip Loans
Fast-turnaround loans for investors flipping single-family or 1–4 unit properties in Georgia. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Flexible Terms Based on Experience
Georgia Spec Home Construction Loans
Finance speculative home builds with fast approvals and flexible draw schedules for Georgia investors.
- Up to 80% of Construction Costs
- Interest-Only During Build
- Fast Draw Process
Georgia 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than income—perfect for buy-and-hold investors in Georgia.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in 14 Days
Georgia 5+ Unit Multifamily Loans
Financing for investors acquiring or refinancing 5+ unit residential apartment buildings in Georgia.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Georgia Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without income documentation.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Georgia Commercial Hard Money Loans
Financing for commercial real estate investors across Georgia, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Regional Lending for Southeastern Markets
In addition to Georgia, we work with investors acquiring properties across the Southeast, including
Florida
and
South Carolina.
Our lending programs are structured to support multi-state investment strategies.
Frequently Asked Questions
Do you offer fix and flip loans in Georgia?
Yes. We provide short-term fix and flip loans statewide with fast closings and flexible draws.
What equity is required for spec home loans?
Builders typically need 20–30% equity, with lot value often counting toward this requirement.
How do construction loan draws work?
Funds are released in stages: foundation, framing, mechanicals, finishes, and final completion.
What DSCR is required in Georgia?
Most DSCR loans require at least 1.0, meaning rental income covers debt service.
Do you finance 5+ unit apartment buildings?
Yes. Multifamily loans are available for 5+ unit properties across Georgia.
Are commercial properties eligible?
Yes. We provide asset-based loans for offices, retail, and mixed-use properties.
How fast can I close?
Most Georgia loans close in 7–10 days depending on documentation.
Do you lend to LLCs and entities?
Yes. All programs can be closed in LLCs or other entities.
Is Airbnb income considered?
Yes. Documented short-term rental income can be used for DSCR qualification.
Do you require personal income documentation?
No. Most programs are asset-based or DSCR-driven, focusing on property cash flow.
Georgia Hard Money Loans – Fast Closings in 7–10 Days
Serving Atlanta, Savannah, Augusta, Columbus, Macon, and Athens with
fix & flip, spec construction, DSCR, multifamily, commercial, and
asset-based loan programs.