Create a Loan Request

Kirkland Financial LLC

Kirkland Financial, founded in 1992 and based in Goodlettsville, Tennessee, specializes in private lending for residential and commercial properties across the U.S. They offer flexible loan terms, competitive rates, and a variety of financing options for property investments and improvements.

Funding property acquisition and rehab, Kirkland offers competitive  rates and efficient fund  disbursement.  3 to 12 month terms.Up to 65% Loan to After Repair Value (ARV).

Details and Requirements

Property Geographic Area Details

Will lend throughout the US, with the exception states of NV, UT, ID, ND, SD, MN, PA, NY, ME, NH, VT, CT, MA, DE, DC, MD, RI.

Loan Amounts

$200,000 to $5,000,000

Interest Rates

12% to 12%

Origination Fees

2% to 4%

Loan Terms

3 to 12 months

Lien Position

1st

Credit Check Required

yes

Minimum Credit Score Required

600

Prepayment Penalty

no

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

5

Payment Structure
  • Interest Only
Payment Structure Details

12 month Interest Only, Payments made Monthly

Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
Documentation Required
  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application
Appraisal Required for Residential Property

Always

Appraisal Required for Commercial Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Equity Joint Venture

yes

On occasion, if the deal warrants additional capital to make it sound, we will become a JV partner with profit sharing on the back end, to be negotiated.
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Additional Details

Deposit is refundable and only requested after file review and moving to Closing.

Kirkland Financial’s Lending Activity
Data Provided By Elementix
Elementix Logo
12mo Loan Volume

$7,971,081

12mo Loan Count

12

Total Loan Volume

$157,449,856

Average Loan Size

$1,558,909

Loan Count by State (Past 12 Months)
OR: 5, TN: 2, WA: 1, AL: 1, SC: 1, IL: 1, FL: 1
Data provided by Elementix | Disclaimer

Kirkland Group is a Nashville based Company founded in 1992.  We trade and service many types of loans including residential and commercial mortgages. Kirkland also offers bridge loans and investment solutions for several different project types.

Office Locations

Kirkland Financial LLC
3000 Business Park Circle, Goodlettsville, Tennessee 37072
Info Our minimum loan amount is $200,000

Send an email to Kirkland Financial

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Create a Loan Request Invite To Existing Request

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
SUBSCRIBE