Alabama Private Money Lenders
Seeking a private money loan secured by real estate in Alabama? On this page you'll find a list of direct private money lending companies that offer fast funding for an Alabama property purchase, refinance, or equity cash out in 1st lien position. Private money loans are for short-term (3-24 months) and primarily qualify based on equity in the subject property, at least 30% for most lenders. Scroll below the lender list.Searching...
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RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Gelt Financial, LLC
Creative Private Financing for Commercial Real Estate since 1989
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
EquityMax
No Appraisals | Rural Locations, Mobile homes, land and other unique properties considered!
i Fund Cities
Great F#*%ing Loans, Built By Investors For Investors
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Coastal Equity Group
Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
RBI Private Lending
Direct lender, specialized in Bridge, Fix and Flip and Construction. FN and new investors welcome.
Center Street Lending
Smarter Loans for Residential Investors
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Yieldi
Direct, Reliable Lender for Investment Properties
HouseMax Funding
Hard Money Loans to Fund Your Next Big Project
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
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 4th quarter of 2024 was 11.19%. The average loan amount was $327,003. These stats are the average of 49 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Alabama between October 1, 2024 and December 31, 2024 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 4th quarter of 2024 was 11.11%. Lenders charged an average of 2.7% points (origination fee). The average LTV (loan-to-value) for private money loans in Alabama was 64%, and the average loan amount was $217,020. These stats are the average of all the loans which were funded between October 1, 2024 and December 31, 2024 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 Alabama Private Lenders
According to Forecasa™, here are the Top 10 Private Lenders ranked by the number of private mortgage loans* originated in Alabama from October 2024 to December 2024.
- Kiavi funded 77 loans
- Constructive Loans LLC funded 70 loans
- JL Lane Lending LLC funded 52 loans
- Longhorn Investments funded 29 loans
- Mobile Capital Company LLC funded 29 loans
- RCN Capital LLC funded 28 loans
- Virgo Funding LLC funded 26 loans
- LendingOne funded 25 loans
- ROC Capital funded 25 loans
- Robertson Banking Company funded 20 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform.
Alabama Private Lending Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of private mortgage loans secured by investment real estate in Alabama which were funded by private lenders from January 2024 to December 2024.
- Approximately $79,677,287 of private money loans were funded in the 4th quarter of 2024 for 341 borrowers.
- Approximately $92,379,788 of private money loans were funded in the 3rd quarter of 2024 for 369 borrowers.
- Approximately $92,459,803 of private money loans were funded in the 2nd quarter of 2024 for 356 borrowers.
- Approximately $167,695,590 of private money loans were funded in the 1st quarter of 2024 for 289 borrowers.
Below are the approximate private money loan volume amounts for Alabama’s metropolitan areas:
Birmingham, AL
- 2024 Q4: $35,514,949 for 150 borrowers
- 2024 Q3: $36,364,379 for 150 borrowers
- 2024 Q2: $39,307,905 for 143 borrowers
- 2024 Q1: $27,104,656 for 117 borrowers
Huntsville, AL
- 2024 Q4: $10,154,627 for 36 borrowers
- 2024 Q3: $18,371,929 for 47 borrowers
- 2024 Q2: $11,635,001 for 30 borrowers
- 2024 Q1: $79,315,407 for 29 borrowers
Mobile, AL
- 2024 Q4: $8,927,064 for 57 borrowers
- 2024 Q3: $10,816,697 for 66 borrowers
- 2024 Q2: $10,544,601 for 79 borrowers
- 2024 Q1: $14,475,833 for 59 borrowers
Montgomery, AL
- 2024 Q4: $13,427,383 for 54 borrowers
- 2024 Q3: $13,560,912 for 56 borrowers
- 2024 Q2: $17,100,895 for 67 borrowers
- 2024 Q1: $10,748,566 for 48 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
