Birmingham Private Money Lenders
Seeking a private money loan secured by real estate in Birmingham, AL? On this page you'll find a list of direct private money lending companies that offer fast funding for a property purchase, refinance, or equity cash out in 1st lien position. Private money loansare for short-term (3-24 months) and primarily qualify based on equity in the subject property, at least 30% for most lenders. We only list professional private lending companies, not individual investors.Searching...
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Simplending Financial
Nationwide real estate investment lender
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Central Lending
Direct Lender for Residenital Property Investors
Northern Star Mortgage Fund
Creative private lending for all types of investment properties
Versara Capital
Unique, direct hard money lender for investment real estate
Coastal Equity Group
We are a one stop shop for direct lending in the Southeast.
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Better Capital Fund
Asset-based loans for residential and commercail properties. No credit check or appraisal.
New Silver
Financing Outside The Box
Kiavi
Servicing 30,000+ Real Estate Investors Across the Country
Center Street Lending
Smarter Loans for Residential Investors
Certain Lending
The Mortgage Company Built for Real Estate Investors
Yieldi
Direct, Reliable Lender for Investment Properties
Gelt Financial, LLC
Creative Private Financing for Commercial Real Estate since 1989
Red Rock Capital
Non-Recourse Loans for Self-Directed IRAs; Solo 401(k)s Fix-and-Flip, Bridge, and Long-Term Rental Financing
FlipCo Financial
Asset-Based Lending for Flippers | 90% LTC, NO Minimum Credit Score, NO Appraisals, NO Expierience Requirements
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Casa Lending
Capital that keeps your project moving - Fix & Flip, Construction, DSCR
Rehab Wallet
Fix & Flip, Bridge, Construction, Land, Manufactured Homes | NO credit check or expierience required for flips
Groundfloor Lending
Fast Funding with Deferred Interest Payments
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
i Fund Cities
Direct Lender for Builders and Rehabbers
Top 10 Private Money Lenders in Alabama by Loan Count (Last 12 Months)
Based on data from Elementix, this ranking highlights the most active private money lenders in Alabama, measured by total funded loan count for short-term real estate loans (under 3 years) over the past 12 months. This data reflects current lending activity across Alabama real estate investors.
| Company | Loans | Volume | Market Share |
|---|---|---|---|
| mobile capital company, llc | 826 | $9M | 12% |
| lima one capital | 357 | $2M | 1% |
| rcn capital | 275 | $5M | 4% |
| rei funding partners | 257 | $18M | 14% |
| windstone private lending | 245 | $12M | 8% |
| crebrid | 170 | $8M | 8% |
| lendingone | 148 | $3M | 3% |
| dominion financial services | 120 | $6M | 4% |
| groundfloor | 119 | $2M | 2% |
| roc capital / roc360 | 118 | $4M | 3% |
Source: Elementix.ai (third-party data, not independently verified).
Top 20 Alabama Private Lenders by Loan Count (Past Quarter)
According to Forecasa™, here are the Top Private Lenders ranked by the number of private mortgage loans* originated in Alabama from April 2026 to June 2026.
- Kiavi funded 130 loans
- Constructive Loans funded 74 loans
- American Heritage Lending LLC funded 38 loans
- ROC Capital funded 37 loans
- Crestcore Realty funded 33 loans
- Longhorn Investments funded 33 loans
- REI Funding Partners funded 29 loans
- Ninety8 Capital LLC funded 28 loans
- JL Lane Lending LLC funded 27 loans
- LendingOne funded 24 loans
- Windstone Private Lending funded 24 loans
- CV3 Financial Services funded 24 loans
- Novac Lending LLC funded 24 loans
- RCN Capital LLC funded 24 loans
- Robertson Banking Company funded 24 loans
- Crebrid (Wildcat Lending) funded 24 loans
- Mobile Capital Company LLC funded 24 loans
- Builders Capital funded 24 loans
- Lima One Capital funded 24 loans
- Catalpa House Fund 1 LP funded 24 loans
* The number of loans funded are approximate and includes long-term rental loans.
Source: Forecasa (this is third-party data, not independently verified).
Alabama Private Money Interest Rates
According to the private money loan documents software company, Lightning Docs, the average interest rate for Alabama private money loans in the 2nd quarter of 2026 was 10.67%. The average loan amount was $379,479. These stats are the average of 69 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Alabama between April 1, 2026 and June 30, 2026 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
According to private lending data provider, Analytics Logics, the average interest rate for Alabama private money loans in the 1st quarter of 2026 was 10.05%. Lenders charged an average of 6.0% points (origination fee). The average LTV (loan-to-value) for private money loans in Alabama was 66%, and the average loan amount was $195,100. These stats are the average of all the loans which were funded between January 1, 2026 and March 31, 2026 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 Real Estate Investors in Alabama Using Private Money (Past 12 Months)
Based on data from Elementix, this ranking highlights the most active real estate investors in Alabama who utilize private money loans, based on total borrowing volume over the past 12 months. Reported volume may include financing from private lenders, banks, and other sources, reflecting overall borrowing activity across the Alabama real estate market.
| Entity | Loans | Volume |
|---|---|---|
| taber built homes llc | 400 | $1.8B |
| purchasing fund 2023 1 llc | 315 | $87M |
| executive homes llc | 294 | $151M |
| sky lake construction llc | 229 | $61M |
| vapa investments llc | 192 | $28M |
| tidewater developers llc | 178 | $279M |
| grandview capital llc | 177 | $41M |
| mcguinn homes inc | 161 | $312M |
| nilson & co llc | 146 | $76M |
| prestige home solutions llc | 145 | $31M |
Source: Elementix.ai (third-party data, not independently verified).
Alabama Private Money Loan Volume by Quarter (Past 12 Months)
Based on data from Elementix, the following figures show the estimated quarterly loan volume for private money lending secured by real estate in Alabama over the past 12 months.
Q2 2026: ~$3.8B in funded loan volume across 2,761 loans and 2,024 borrowers
Short-term loans (< 3 years): ~$215M across 345 loans
Long-term loans (> 3 years): ~$1.0B across 939 loans
Unknown-term loans: ~$2.5B across 1,477 loans
Q1 2026: ~$5.2B in funded loan volume across 4,213 loans and 2,861 borrowers
Short-term loans (< 3 years): ~$232M across 510 loans
Long-term loans (> 3 years): ~$1.7B across 1,334 loans
Unknown-term loans: ~$3.3B across 2,369 loans
Q4 2025: ~$12.9B in funded loan volume across 4,306 loans and 3,065 borrowers
Short-term loans (< 3 years): ~$503M across 538 loans
Long-term loans (> 3 years): ~$1.8B across 1,403 loans
Unknown-term loans: ~$10.6B across 2,365 loans
Q3 2025: ~$7.2B in funded loan volume across 4,161 loans and 2,882 borrowers
Short-term loans (< 3 years): ~$234M across 605 loans
Long-term loans (> 3 years): ~$859M across 1,225 loans
Unknown-term loans: ~$6.1B across 2,331 loans
Source: Elementix.ai (third-party data, not independently verified).
“Unknown-term” loans represent private lender transactions for which the available public records did not provide sufficient information to determine whether the original loan term was less than or greater than 3 years.
