Montgomery Hard Money Lenders
Need a hard money loan secured by real estate in Montgomery, AL? This page has a list of direct hard money lenders that offer quick funding for a property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for owner-occupied homes. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan. Scroll to see the list of lenders.Searching...
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Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
FlipCo Financial
Asset-Based Lending for Flippers | 90% LTC, NO Minimum Credit Score, NO Appraisals, NO Expierience Requirements
Versara Capital
Unique, direct hard money lender for investment real estate
Central Lending
Direct Lender for Residenital Property Investors
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Casa Lending
Capital that keeps your project moving - Fix & Flip, Construction, DSCR
Gelt Financial, LLC
Creative Private Financing for Commercial Real Estate since 1989
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
Coastal Equity Group
We are a one stop shop for direct lending in the Southeast. We focus on strong relationships and provide personaliz
Groundfloor Lending
Fast Funding with Deferred Interest Payments
Yieldi
Direct, Reliable Lender for Investment Properties
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Northern Star Mortgage Fund
Creative private lending for all types of investment properties
Rehab Wallet
Fix & Flip, Bridge, Construction, Land, Manufactured Homes | NO credit check or expierience required for flips
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Center Street Lending
Smarter Loans for Residential Investors
i Fund Cities
Direct Lender for Builders and Rehabbers
Certain Lending
The Mortgage Company Built for Real Estate Investors
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
New Silver
Financing Outside The Box
Red Rock Capital
Non-Recourse Loans for Self-Directed IRAs & Solo 401(k)s Fix-and-Flip, Bridge, and Long-Term Rental Financing
Top 10 Hard Money Lenders in Alabama by Loan Count (Last 12 Months)
Based on data from Elementix, this ranking highlights the most active hard 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 Hard Money Lenders by Loan Count (Past Quarter)
According to Forecasa™, here are the Top Hard Money Lenders ranked by the number of loans* originated in Alabama from January 2026 to March 2026.
- Kiavi funded 82 loans
- Constructive Loans funded 49 loans
- Ninety8 Capital LLC funded 33 loans
- Cv3 Financial Services LLC funded 28 loans
- ROC Capital funded 26 loans
- American Heritage Lending LLC funded 24 loans
- Rei Funding Partners LLC funded 24 loans
- Catalpa House Fund 1 LP funded 21 loans
- Mobile Capital Company LLC funded 21 loans
- LendingOne funded 20 loans
- Crebrid (Wildcat Lending) funded 20 loans
- RCN Capital LLC funded 20 loans
- Velocity Commercial Capital funded 20 loans
- JL Lane Lending LLC funded 20 loans
- Dominion Financial Services LLC funded 20 loans
- Lima One Capital LLC funded 20 loans
- Mortgage Calculator Company LLC funded 20 loans
- Longhorn Investments funded 20 loans
- Defy Mortgage LLC funded 20 loans
- Crestcore Realty funded 20 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 Hard Money Interest Rates
According to the hard money loan documents software company, Lightning Docs, the average interest rate for Alabama hard 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 properties in Alabama between April 1, 2026 and June 30, 2026 by multiple hard money lenders 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 hard 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 hard 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 hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 Real Estate Investors in Alabama Using Hard Money (Past 12 Months)
Based on data from Elementix, this ranking highlights the most active real estate investors in Alabama who utilize hard money loans, measured by total borrowing volume over the past 12 months. Total loan volume may include loans from banks and conventional lenders.
| 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 Hard Money Loan Volume by Quarter (Past 12 Months)
Based on data from Elementix, the following figures show the estimated quarterly loan volume for short-term investment real estate lending in Alabama over the past 12 months.
Q2 2026: ~$215M across 345 loans
Q1 2026: ~$232M across 510 loans
Q4 2025: ~$503M across 538 loans
Q3 2025: ~$234M across 605 loans
Source: Elementix.ai (third-party data, not independently verified).
Transactions identified as private lender loans were excluded if the available public records did not clearly indicate whether the original loan term was less than 3 years.
