In Georgia’s fast-moving real estate market, timing isn't just everything—it’s your entire margin. Whether you’re competing with institutional buyers for single-family homes in Gwinnett County, renovating a historic multi-family unit in Savannah, or building infill housing near the Atlanta BeltLine, waiting 30 to 45 days for a conventional bank loan will cost you the deal.
To win hot properties in the Peach State, you need the closing speed of an all-cash buyer. That’s where direct hard money lenders in Georgia come in.
Unlike mortgage brokers who just shop your loan around, a direct lender funds deals using their own in-house capital. This means fewer middlemen, faster decisions (often closing in 5 to 10 days), and underwriting based on the property's After Repair Value (ARV) rather than your personal W-2 income.
👉 Ready to fund your next Peach State investment? Get Matched with Direct Hard Money Lenders in Georgia Now
Here is a quick reference guide to help you match your specific investment strategy to the right capital partner - but be sure to review the full details and contact information for each lender in the directory below.
Here is your comprehensive, updated directory of the top 19 direct private lenders actively funding real estate deals across Georgia.
Description: Headquartered in Atlanta, Groundfloor is a unique direct lender that crowdsources capital from public investors to fund short-term real estate debt. They are heavily active in Georgia, offering highly competitive rates with an incredibly simple draw process for local investors.
Loan Amount Range: $75,000 to $1,000,000
Loan Types: Fix & Flip, New Construction, Renovation
Phone: (404) 850-9224
Email: borrower@groundfloor.us
Website: groundfloor.us
Description: Founded by Marines and headquartered in nearby Greenville, SC, Lima One is an institutional-grade direct lender with a massive footprint in Georgia. They provide highly reliable capital for both new investors and seasoned pros scaling large portfolios.
Loan Amount Range: $75,000 to $20,000,000+ (for large portfolios)
Loan Types: Fix & Flip, Rental (30-Year DSCR), Multifamily, Build-to-Rent
Phone: (800) 390-4212
Email: info@limaonecapital.com
Website: limaonecapital.com
Description: ABL is a premier direct hard money lender known for fast, reliable financing. They evaluate deals based on the asset's potential rather than the borrower's personal credit, and they are highly active in the Atlanta Metro, Savannah, and Augusta markets.
Loan Amount Range: $75,000 to $3,000,000
Loan Types: Fix & Flip, New Construction, Cash-Out Refinance
Phone: (201) 942-9089
Email: info@abl1.net
Website: ablfunding.com
Description: Bridgewell Capital specializes in providing private money loans for real estate investors. With a strong presence in Atlanta, Columbus, and Macon, they offer a personalized approach and localized market knowledge.
Loan Amount Range: $50,000 to $1,500,000
Loan Types: Fix & Flip, Rental Property Loans, Commercial Bridge
Phone: (404) 890-0900
Email: loans@bridgewellcapital.com
Website: bridgewellcapital.com
Description: Formerly known as LendingHome, Kiavi is one of the largest tech-enabled direct lenders in the country. They utilize data analytics to offer highly competitive pricing, especially in active counties like Fulton, Cobb, and Gwinnett.
Loan Amount Range: $100,000 to $1,500,000
Loan Types: Fix & Flip, Bridge, 30-Year DSCR Rental
Phone: (844) 415-4663
Email: support@kiavi.com
Website: kiavi.com
Description: Operating out of South Fulton, Dynasty Financial is an active private money lender providing capital for Georgia-based real estate investors. They offer highly localized expertise for borrowers looking to secure rehab capital and short-term bridge financing quickly without the red tape of traditional banks.
Loan Amount Range: Varies by specific project parameters.
Loan Types: Short-Term Bridge Loans, Hard Money Funding, Residential Investments.
Phone: (770) 518-6455
Email: info@dynastyfinancialconsulting.com
Description: If you are a large investor in a major GA metro looking to scale, CoreVest is a premier direct lender. They specialize in portfolio rental loans and large-scale Build-to-Rent developments.
Loan Amount Range: $500,000 to $50,000,000+
Loan Types: Portfolio Rental Loans, Build-to-Rent Capital, Fix & Flip
Phone: (844) 223-7496
Email: info@cvest.com
Website: corevestfinance.com
Description: Stratton Equities is a leading nationwide direct hard money and NON-QM mortgage lender. Owned by experienced real estate investors, they specialize in fast and flexible lending processes with a strong footprint in Georgia.
Loan Amount Range: $100,000 to $5,000,000
Loan Types: Hard Money, Private Money, NON-QM, Bridge
Phone: (800) 962-6613
Email: Contact form available on their website
Website: strattonequities.com
Description: Tidal Loans is a direct private lender offering fast financing for both residential rehabs and commercial bridge deals, paying special attention to hot markets like Atlanta, Savannah, and Athens.
Loan Amount Range: $50,000 to $5,000,000
Loan Types: Fix & Flip, New Construction, Commercial Bridge
Phone: (832) 761-9449
Email: info@tidalloans.com
Website: tidalloans.com
Description: Constructive is a direct, reliable partner for Georgia investors seeking consistent capital for both short-term projects and long-term DSCR rental holds in the Atlanta Metro and Augusta regions.
Loan Amount Range: $75,000 to $3,000,000
Loan Types: DSCR Rentals, Fix & Flip, Bridge
Phone: (800) 464-1660
Email: hello@constructiveloans.com
Website: constructiveloans.com
Description: Offering a blend of hard money rehab loans and 30-year landlord loans, Sherman Bridge is a well-capitalized direct lender that provides excellent tech tools (like their online rate calculator) for Georgia investors.
Loan Amount Range: $75,000 to $2,000,000
Loan Types: Fix & Flip, 30-Year Landlord Loans
Phone: (855) 755-6267
Email: Contact via website portal
Website: shermanbridge.com
Description: While many hard money lenders focus on flips, Visio Lending is the premier direct lender for 30-year DSCR rental loans. They are perfect for Georgia investors looking to refinance a bridge loan into a long-term hold.
Loan Amount Range: $75,000 to $2,500,000
Loan Types: 30-Year DSCR Rental Loans, Vacation Rentals
Phone: (888) 521-0353
Email: info@visiolending.com
Website: visiolending.com
Description: A highly aggressive direct lender willing to fund distressed properties that other lenders won't touch. They are highly active in the Atlanta Metro area, focusing on asset equity over borrower experience.
Loan Amount Range: $50,000 to $5,000,000
Loan Types: Distressed Property Rehabs, Fix & Flip, Commercial
Phone: (800) 835-1250
Email: Contact via website portal
Website: thehardmoneyco.com
Description: Hard Money Bankers acts entirely on their own capital, providing fast bridge capital and true asset-based lending across the entire state. If you need a deal funded in days without jumping through hoops, they are a prime option.
Loan Amount Range: $50,000 to $2,000,000
Loan Types: Fast Bridge Capital, Asset-Based Lending, Flips
Phone: (800) 803-8177
Email: Contact via website portal
Website: hardmoneybankers.com
Did you know Georgia is a non-judicial foreclosure state? This means property foreclosures can take as little as 37 days without court delays. Because direct lenders carry far less legal risk here than in judicial states like New York or Florida, they offer Georgia investors higher Loan-to-Cost (up to 90%), lower origination points, and significantly faster approvals.
👉 Stop letting sluggish banks kill your deals. Compare Rates from Georgia Hard Money Lenders Today
Before submitting your loan application to a Georgia direct lender, bring two things to the table to unlock institutional-level rates (often dropping your interest rate by 1% to 2%):
A Local Scope of Work (SOW): Don't use generic numbers. Provide detailed contractor quotes using local Georgia labor and materials rates.
A Clear Exit Strategy: If you plan to hold the property as a rental, show a draft lease or a local rental market analysis (using tools like Rentometer) for the specific Georgia zip code. Lenders favor "Bridge-to-DSCR" strategies where you can seamlessly refinance into a 30-year hold.
What exactly is a direct hard money lender?
A direct hard money lender uses their own private capital or internal funds to finance real estate loans, making all underwriting and approval decisions in-house. This eliminates the middleman (like a mortgage broker), drastically speeds up the closing process, and reduces hidden fees.
What credit score is required by direct hard money lenders in Georgia?
Because the loan is secured by the real estate asset, hard money lenders are much more flexible than traditional banks. While some institutional lenders look for a baseline FICO score of 600 to 650, many localized private lenders have no strict minimum credit score requirement, provided the deal has strong equity.
Can I get 100% financing for a flip in Atlanta?
Typically, you will need some "skin in the game." Most direct hard money lenders in Georgia cap their initial loan-to-cost (LTC) at 85% to 90% of the purchase price. However, they will often fund 100% of your renovation budget, as long as the total loan amount does not exceed 70% to 75% of the After Repair Value (ARV).
Are these loans available for primary residences?
No. Due to federal and state consumer protection laws, hard money loans are strictly classified as commercial, business-purpose loans. They can only be used for non-owner-occupied investment properties, and you will generally need to close the loan under an entity like an LLC or Corporation.
Finding the right capital partner is the most critical step in scaling your real estate investment business. By bypassing the traditional banking system and leveraging the speed of direct hard money lenders in Georgia, you can negotiate better purchase prices, close on time-sensitive deals, and fund extensive rehabs with confidence.
Instead of contacting all 19 lenders individually to find out whose criteria matches your specific project, use an AI-powered marketplace to make the lenders compete for your business.
👉 Take control of your funding timeline. Submit Your Georgia Real Estate Deal for Funding Now