Hard Money Lenders in Alabama

Lendersa® matches your loan request with 4 hard money direct lenders and brokers in Alabama Lendersa® advanced hard money mortgage calculator ensures that you get the best hard money loan rates from Alabama private investors who close loans fast.

Top 4 Hard Money Lenders in Alabama (2026)

Ranked by the number of approved loan programs each lender has published on Lendersa, so the lenders with the widest verified coverage come first. Loan amounts, maximum LTV and funding time come from the lenders' own program profiles. Click a name for the full profile, programs and map.

  1. 1. America's First Federal Credit Union – Birmingham, AL

    America's First is a full-service financial institution with over $1.5 billion in assets and 19 branch locations across the Birmingham-Metro and Mobile, Alabama areas. As one of the strongest credit unions in the United States, we are committed to providing the most cost effective and convenient financial services for our members.

  2. 2. First Metro Bank – Muscle Shoals, AL

    First Metro Bank has planted roots in our community since 1988. We’ve helped our Neighbors raise families, open businesses, and plan for the future. It is our way of doing business that separates us from the crowd, and allows our customers to know that they are far more than just a number.

  3. 3. Mortgage Funding, LLC – Birmingham, AL

    At NMI Mortgage Funding, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  4. 4. Regions Bank – Birmingham, AL

    Regions Financial Corporation (NYSE:RF), with $144 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas.

Get offers from Alabama lenders in minutes

Hard money loans in Alabama: what borrowers ask

How fast can a hard money loan close in Alabama?

Most hard money lenders in Alabama close in one to three weeks once the property value is confirmed, because the loan is underwritten on the asset rather than on tax returns.

What loan-to-value do Alabama hard money lenders offer?

Typical hard money loans run 65% to 75% of value, with higher leverage for experienced investors, cross-collateral or purchase-and-rehab deals priced on the after-repair value.

What loan amounts are available?

Submit one loan request and Lendersa sends it to every matching lender in Alabama so you can compare real offers side by side.

Do these lenders only fund in Alabama?

46 additional lenders based in other states also fund deals in Alabama and appear further down this page. Hard money lenders usually lend where they can inspect the property and enforce the lien, so a local lender is often the faster choice.

Find out the rate & terms the lenders offer even before filling out our quick loan request!

Lendersa hard money loan rates

Lendersa® Super Loan Integrated qualifier (SLIQ) will compare your loan scenario against thousands of loan programs to find what best interest rate you could get and what other program options you have. (Loan duration, fees, pre-pay penalties, funding time, etc.)

Why spend hours and days looking for lenders one at a time? For the first time in the history of private money lending, Lendersa® will instantly deliver your loan request to the top lenders who offer the best hard money loan programs in Alabama. The best lenders have matching lending profiles to your particular loan scenario and best rate & terms. To ensure fast funding, try local private money lenders. E.g., hard money loans secured by properties in Birmingham may have different lenders than loans secured by properties in Huntsville, Mobile, Montgomery, Tuscaloosa .

Compare loan offers from 100 lenders

GET HARD MONEY LOAN QUOTES IN SECONDS DIRECTLY FROM TOP LENDERS NO SOCIAL SECURITY # IS NEEDED

Lendersa goal is not to get you just "any loan" but to get you the best possible loan based on your particular financial situation and needs. Select one of three starting points that result in matching lenders and the best hard money loan programs.

Lendersa loan request and matching results

Not sure that hard money is your only solution?

Your concern is valid! but no need to worry because the Lendersa® AI calculator will automatically compare your loan request with millions of conventional, government, portfolio, and Non-Qm loan programs, and when a match showed up, you will see that option instantly

Hard money lenders near me in Alabama

You are welcome to view all 4 local lenders lending in Alabama and individually contact them with or without a loan request. Lendersa® will prepare a loan request on your behalf, and you could use it automatically with the matching lenders or semi-manually send it to lenders of your choice.

Unlike conventional or government loans, local investors are playing a huge role in funding hard money loans. Private money investors often physically inspect the property or drive by the property before approval. To find out the closest lenders and the exact distance between the lenders to your property, enter the property address or location here:



Alabama Hard Money Lenders

  • Regions Bank
  • 1900 5th Ave N, Birmingham, AL, 35203
  • Lends in Alabama
  • Regions Financial Corporation (NYSE:RF), with $144 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas.

  • America's First Federal Credit Union
  • 1200 4th Ave N, Birmingham, AL, 35203
  • Lends in Alabama
  • America's First is a full-service financial institution with over $1.5 billion in assets and 19 branch locations across the Birmingham-Metro and Mobile, Alabama areas. As one of the strongest credit unions in the United States, we are committed to providing the most cost effective and convenient financial services for our members.

  • Mortgage Funding, LLC
  • 2171 Clearbrook Rd, Birmingham, AL, 35226
  • Lends in Alabama
  • At NMI Mortgage Funding, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • First Metro Bank
  • 406 West Avalon Avenue, Muscle Shoals, AL, 35661
  • Lends in Alabama
  • First Metro Bank has planted roots in our community since 1988. We’ve helped our Neighbors raise families, open businesses, and plan for the future. It is our way of doing business that separates us from the crowd, and allows our customers to know that they are far more than just a number.

Also lends in Alabama

  • Surest Capital Company
  • 1223 Wilshire Blvd #980, Santa Monica, CA, 90403
  • Surest Capital Company: Strategic Financing for Investors and Entrepreneurs

    Led by Brian Nichols, Surest Capital Company specializes in commercial and non-QM mortgage advisories, arranging $1M–$25M loans for multifamily and mixed-use properties. Reach out at brian@surestcapital.com or call 213-867-4223. We connect you to banks, credit unions, an

  • MidPoint Capital Partners, LLC
  • 2942 N. 24th St Ste 115, Phoenix, AZ, 85066
  • MidPoint Capital Partners, LLC is a national direct lender offering fix & flip, bridge, construction, DSCR rental and multifamily loans - from $75K to $75M+. We close in as little as 24 hours. 47 states coverage, asset-driven underwriting, and programs for every stage of the deal cycle. 

  • Riverbank Business Capital
  • 444 N Michigan Ave, Chicago, IL, 60611
  • Riverbank Business Capital

    Fueling Real Estate Investment Growth

    Riverbank Business Capital helps investors and entrepreneurs access flexible commercial financing for Multi Family, Mixed Use, Retail, Warehouse, Self Storage, Automotive properties, no income documentation, fast process. Ready to strengthen your cash flow and seize new opportunities, to purchase, refinance or cash-out? We fund fast Call 800-575-7144 or email admin@riverbankbusinesscapital.com.

  • blclending
  • 1602 Maybrook ct, Arlington, TX, 76014
  • Empowering Homeownership with BL LENDER

    BL LENDER, your gateway to seamless home financing solutions, specializes in providing customized lending services. Our expert team, reachable at (877) 774-4240, is devoted to crafting financing packages that fit your unique needs, turning the dream of homeownership into reality. Let BL LENDER guide your j

  • Jet Capital Funding
  • 97 S Sewalls Point Rd, Stuart, FL, 34996
  • "Elevate your portfolio with Jet Real Estate. Led by Jamison Troutman, we bridge the gap between residential grit and high-stakes commercial investment. Whether you’re acquiring your first multi-family unit or closing a $100 million commercial deal, our team delivers the personalized strategy and market expertise needed to navigate today’s dynamic landscape with absolute precision." Call  561-827-5744

  • Private Lending Company Inc.
  • 22527 Crenshaw Blvd, Suite 201, Torrance, CA, 90505
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  • Capital Chat
  • 30 Wall Street, New York, NY, 10005
  • Capital Chat revolutionizes real estate financing through its Ultimate Lending Advantage program, offering seamless closings in just 7 days without onsite appraisals on qualified properties. Our tailored financing solutions are crafted, ensuring experienced investors benefit from just a 5% down payment, with 100% rehab funding. Connect with Capital

  • Amiachi Property Advisers
  • 4625 S. Calumet, Chicago, IL, IL, 60653
  • Elevate your real estate journey with Amiachi Property Advisers. Led by Melissa Pitts, we offer tailored property solutions that redefine client satisfaction. With a commitment to integrity and excellence, trust us to guide you through every investment decision. Choose Amiachi for unmatched expertise and personal dedication, turning your real estat

  • Venture Estate Group
  • 401 West 48th Suite 2W, New York, NY, 10036
  • Where traditional lenders decline, we provide solutions.

    We offer specialized programs for real estate investors, including:
    No minimum FICO requirements
    Ground-up construction financing with no prior experience needed
    No-ratio loans (no income or DSCR)
    Financing for rural and non-conventional properties
    Up to 95% purchase and 100% rehab fu

  • Golden State Financial
  • 506 Conejo Court, Danville, CA, 94506
  • Golden State Financial specializes in commercial real estate financing, bridge loans, and hard money solutions. We connect borrowers with private lenders, debt funds, and institutional capital for fast, asset-based financing nationwide. Ideal for land, construction, value-add, and time-sensitive transactions requiring speed, flexibility, and reliable execution.

  • Nathan Capital Group
  • PO Box 19743, Saint Louis, MO, 63109
  • Nathan Capital Group offers primarily bridge loans & ground up construction financing secured by commercial properties and development projects nationwide. Including Canada & UK. We are dedicated to providing the best transaction process, with a focus on dependability, customer service, and integrity.

  • LoanLocker
  • 401 E Jackson St, Tampa, FL, 33602
  • Introducing LoanLocker: where speed meets flexibility in private lending. We specialize in funding both residential and commercial projects swiftly and efficiently. Ideal for investors and developers, our custom solutions are designed to meet diverse needs. With expert guidance and personalized services, LoanLocker ensures your projects are funded

  • Apex Wealth Capital LLC
  • 66 W Flagler st #900, Miami, FL, 33130
  • Apex Wealth Capital LLC

    Clarity. Strategy. Growth.

    Apex Wealth Capital LLC empowers individuals and businesses with disciplined financial planning, capital strategy, and risk-aware decisions to build lasting wealth. Schedule a discovery call with Khalif Brown: 440-622-9945 | Khalif@apexwealthcapital.com.

  • WIN WIN CAPITAL FUNDING
  • 24300 Wilderness Oak Suite 330, San Antonio, TX, 78260
  • Up to 100% Leverage on fix & flip 1-4 unit properties in non judicial states, no credit or appraisal/experience requirements. We also offer up to 90% on commercial properties, and 100% CLTV as well with seller carry 2nds. Rates from the 9's and up on bridge and 5's & up on perm products. All property types nationwide, owner occupied as well. G

  • Better Lending
  • 152 W Center Court, Schaumburg, IL, 60195
  • Better Lending

    Simple mortgages, better outcomes

    Better Lending is a direct leander helps borrowers navigate home loans, refinance, and smart financing with clear guidance and responsive support. Expect transparent options, fast answers, and a people-first process from application to closing. Ready to move? Visit betterlending.com to get started today.

  • Federal National Funding Capital Group LLC
  • 411 Hackensack Avenue Suite 200, Hackensack, NJ, 07601
  • **Unlock New Opportunities with FNF Capital Group**

    **Experience in Financial Solutions**
    Federal National Funding Capital Group LLC (FNF Capital Group) is your ultimate financial ally, we empower business owners and real estate investors with funding solutions including term loans, lines of credit, equipment financing, fix & flip loans, rent

  • GLG Capital
  • 4103 Chilberg Ave SW #201, Seattle, WA, 98101
  • GLG Capital, spearheaded by Gregory Gantman, is revolutionizing the investment landscape with innovative strategies that deliver consistent growth. Our expertise in financial markets ensures informed decisions that maximize returns for our clients. We are committed to transparency, integrity, and results. Join us today and secure a prosperous finan

  • North Star Mortgage Network Inc.
  • 12058 San Jose Blvd Suitwe 404, Jacksonville, FL, 32223
  • Since 2000, North Star Mortgage Network has helped thousands of Florida homebuyers and homeowners find the right mortgage with honest advice, competitive rates, and personalized service. As an independent mortgage broker, we compare multiple lenders to find the best loan for your needs. Whether you're purchasing, refinancing, or investing, we're committed to making the mortgage process simple, transparent, and stress-free.

    • Layton Mortgage
    • 11912 Golden Bell Ln, Frisco, TX, 75035
    • Layton Mortgage
      We work hard to give you a great mortgage experience. Whether you’re a first-time homebuyer, investor, ready to refinance or exploring your mortgage options, we’re here to provide you our 100% support, two-way communication and a partnership built on trust. Every home is a milestone, and every mortgage is a cornerstone. With a numb

  • Jet Real Estate
  • 410 Evernia St #523, West Palm Beach, FL, 33401
  • ## Welcome to Jamison Troutman Real Estate

    ### Your Trusted Partner in Real Estate Financing
    At Jamison Troutman Real Estate, we specialize in providing tailored financial solutions including hard money, private money, and conventional loans. Our personalized approach ensures you get more than a one-size-fits-all underwriting. Collaborate with

  • Complete Lending
  • 9920 Pacific Heights Blvd, San Diego, CA, 92121
  • Choose Complete Lending as your trusted partner in hard money lending. We provide rapid, reliable funding solutions to empower real estate investors like you. Our mission is to help you seize every opportunity with confidence through personalized service and in-depth expertise. Reach out to Rocket Denney and embark on a successful investment journe

  • REI Investment Capital LLC
  • 7014 Garden Terrace Ct, Charlotte, NC, 28210
  • Easy Hard Money and Commercial Loans for investors. - Loan Types - Fix and Flips, DSCR, Portfolio, Bridge, Ground Up Construction, Multifamily bridge/value Add and Term loans and Commercial Loans. Property types - SFR, MF 1-4, MF 5+ units, Retail, Office, Strip Malls, Warehouse, Light Industrial, Mixed-use, Hospitality, Self-Storage and more.

  • HLCS SERVICES
  • 540 Birdsong, Edmond, OK, 73003
  • I’m a Funding Consultant who does more than find financing—I help my clients borrowers structure stronger deals. I analyze your project, identify the best funding options, and teach you creative financing strategies to help reduce cash to close, leverage equity, and solve financing challenges. My goal is to help you structure the deal from funding through exit.

  • ION Mortgage & Lending
  • 2115-A South US Hwy 1, Jupiter, FL, 33477
  • Elevate your lending experience with Supreme Lending, a premier consultancy specializing in high-value financing solutions for luxury residential and commercial projects. With the expertise of Rachel Harzewski, you are guided through bespoke, private lending options designed to maximize your investments. Discover smooth deal structuring and unparal

  • The Mortgage Cowboy LLC
  • 4419 Centennial Blvd, Suite 260, Colorado Springs, CO, 80907
  • The Mortgage Cowboy is a full service mortgage shop offering VA, FHA, USDA, Conventional loans. 25 years of experience in the lending industry.
    We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all
    quality service.

  • Landmark Lenders
  • 202 N Cedar Ave, Owatanna, MN, 55101
  • Landmark Lenders

    Private & Non QM Lending for Investors

    Landmark Lenders supports real estate investors with straightforward lending and fast, friendly communication. Contact James Knight at (763) 301-9898, james.knight@landmarklenders.net, or www.landmarklenders.net to start, request your term sheet today!

  • Coast to Coast Capital Advisors
  • 320 Boston Post Rd, Darien, CT, 06820
  • Coast to Coast Capital Advisors

    Coast to Coast Capital Advisors provides fast, flexible financing for real estate investors nationwide. We specialize in DSCR, fix-and-flip, new construction, bridge, and commercial loans with competitive terms and quick closings.

    Contact: Info@coasttocoastcapitaladvisors.com | 203-690-8700.

  • Inner Core Capital
  • 4275 Executive Square, Suite 200, La Jolla, CA, 92037
  • Inner Core Capital stands as a beacon in financial solutions. With a unique mix of loan offerings—ranging from private money to conventional financing—they cater to every borrower’s needs. Specializing in cash out refinancing, they offer competitive rates and terms. Whether for investment properties or personal projects, Inner Core Capital crafts f

  • OCC Lending, Inc
  • 17461 Irvine Blvd., Suite S, Tustin, CA, 92780
  • OCC Lending, Inc is a US-based nationwide direct portfolio lender of Residential & Commercial debt financing. We finance solutions for investors who don’t necessarily fit into the box of traditional bank lending.

    OCC Lending, Inc has created a track record in marketplace for funding transaction using a true case-by-case common sense lending app

  • Brave Mortgage, Inc
  • 2101 Business Ctr Dr. Ste 230, Irvine, CA, 92612
  • We offer creative financing that includes DSCR, bridge, short term and long term financing for all investor/business purpose nationwide. We service all property types including, but not limited to, industrial, retail, mixed use, multifamily, and single family. Fast turn times and competitive rates.

  • Loan Factory
  • 2195 Tully Road, San Jose, CA, 95122
  • We Are The Amazon for Mortgage Solutions

    It doesn't matter what kind of loan, whatever asset type, my team and I at Loan Factory can help. That's why we are called Loan Factory, where loans are made. All types of loans. All asset types. I am a real estate and mortgage broker. I have also flipped over 100 houses and developed land. So, whatever you are trying to accomplish in real estate I believe I may be able to assist you do just that.

  • VGIS INC.
  • 4 OLD MARSH CT, HENDERSON, NV, 90505-3068
  • VGIS INC., driven by innovation under the leadership of Moshon Reuveni, stands at the forefront of the visual technology sector. With a passion for creativity, VGIS INC. crafts solutions that redefine industry standards, offering transformative experiences that merge functionality with cutting-edge design. Connect with us at 818-430-2606 to explore

  • Conde Capital LLC
  • 1900 156th Ave SE, Norman, OK, 73026
  • Conde Capital provides nationwide investment property financing for real estate investors and brokers: Fix & Flip/Bridge loans (rates from low 8%, up to 90% LTC + 100% rehab, 7-14 day close), DSCR rental loans (5.75%-8.5%, no income docs, LLC-friendly), transactional funding (24-72 hour close), and commercial/multifamily financing. Backed by institutional and private capital, we deliver fast, flexible, investor-focused solutions.

  • Cluett Capital Partners
  • 14 Ridgeway Street, Ann Arbor, MI, 48104
  • Cluett Capital Partners provides commercial real estate financing solutions, including private money, hard money, DSCR loans, and institutional capital from banks, Fannie Mae, Freddie Mac, CMBS, HUD/FHA, and life companies. We structure customized bridge, construction, and permanent loans for multifamily and investment properties, delivering competitive terms and efficient execution in today’s evolving capital markets.

  • Payclass
  • 515 West 41st Street # 1002, Sioux Falls, SD, 57105
  • We accelerate the flow of money in the B2B (business-to-business) world.

    We built Payclass with one focus — help our customers get their funds faster, or even instantly.

    Payclass's platform finds the most economic and efficient capital source to fulfill business needs -- short or long-term loans, real estate financing, letters of credit, equi

  • Axiom Lending Group
  • 14175 Erie Rd, Apple Valley, CA, 92307
  • Joe Schwartz is the President and senior loan officer of Axiom Lending Group, a licensed mortgage firm that provides mortgage and mortgage-related services to its client base located in California. With over 30 years of experience in the industry, Axiom Lending Group and its experienced staff have been providing lending, investing and consulting se

  • Private Lending Co Inc.
  • 5002 Strohm ave, North Hollywood, CA, 91601
  • Discover Private Lending Co Inc., founded by visionary leader Moshon Reuveni, revolutionizing the traditional lending landscape. Specializing in customized loan solutions, our dedicated team empowers individuals and businesses to achieve their financial goals with ease and efficiency. Join us to experience innovative financial solutions that cater

  • Project Funding Ai
  • 407 Lincoln Rd, Miami Beach, FL, 33139
  • Discover Project Funding AI, your trusted partner in real estate finance. Utilizing smart AI technology, we fund residential and commercial projects nationwide. With no upper limit and a minimum loan of $300,000, your ambitious real estate visions can become reality. Connect with us to transform your ideas into solid foundations. Email john@project

  • Commercial Capital Advisors Inc
  • 6344 Saunders St, NY 11374, Rego Park, NY, 11374
  • At Commercial Capital Advisors Inc, we treat each customer as an individual, not a number. We understand that real estate ventures require quick and flexible financing solutions. With years of experience and a commitment to excellence, we have become a trusted partner for those seeking efficient and personalized lending services.
    Loan Options we

  • Colvert Capital Funding
  • 10120 W Flamingo Rd St 4-1170, Las Vegas, NV, 89147
  • Colvert Capital Funding is an private institutional FINRA exempt lender, covered by sections 3 or 4 of the Securities Act of 1933, sponsored by a syndicate capital provider, we offer residential investment and commercial real estate loan, business financing and alternative debt & equity products for capital intensive projects.

  • Alkana Investment Enterprise
  • 288 E Highland Ave, San Bernardino, CA, 92404
  • Unlocking opportunities in affordable housing.I specialize in Creative financing solutions that Empower investors and homeowners.By focusing on distressed properties,I provide 100% funding options,Transforming neighborhoods and fostering economic growth.My expertise includes tax optimization,Joint ventures,& collaborations,Ensuring clients maximize

  • Diversified Financing solutions
  • 16152 Beach Blvd, Suite 120, Huntington Beach, CA, 92647
  • Unlock your financial potential with Diversified Financing Solutions, spearheaded by Kip Adkins. Our mission is tailored financial strategies to ensure your business thrives. We offer unique, client-focused solutions designed to drive growth and efficiency. Connect with us to elevate your financial future.

  • TrueBridge Loans
  • 3262 E. Thousand Oaks Blvd, STE 205, Thousand Oaks, CA, 91362
  • Transform your real estate investments with TrueBridge Loans, where quick and effective financing meets your needs! Offering up to 65% LTV on all California property types, we're the go-to choice for investors aiming to seize time-sensitive opportunities. With no minimum FICO or appraisals needed, our streamlined process ensures you don’t miss a be

  • Loan Factory
  • 2195 Tully Road, SAN JOSE, CA, 95122
  • Loan Factory

    Mortgage Financing Made Simple

    Loan Factory helps borrowers explore purchase and refinance mortgage options with clear guidance and a streamlined online experience. Work with Paul LeJoy for responsive support, competitive solutions, and confidence from pre-approval to closing. Visit loanfactory.com/paullejoy to start.

    • Ferrari Lending
    • 8316 Vía Di Veneto, Boca Raton, FL, 33496
    • Ferrari Lending

      Smart, personal financing

      Ferrari Lending helps individuals and businesses explore loan options with clear guidance and responsive service. Reach Alexandre Ferrari at info@alexandreferrari.com or 561-571-2552, and start your path to confident borrowing at www.ferrarilending.com.

  • RCA Capital
  • 550 Kinderkamack Rd, Suite1, Oradell, NJ, 07649
  • RCA Capital is a direct, private lender, and Capital Advisory Company. Our team uses a common-sense approach to lending to provide 24-hour approval turn times. Our in-house underwriting allows us to expeditiously bring you to the closing table. Our asset-based mortgage programs are specifically designed for independent real estate investors and se