Private & Hard Money Lenders in Alabama
67 lenders funded 1,381 short-term investment-property loans ($431M) across Alabama in 2024, at a median note rate of 9.25%. Ranked by verified loan volume — not paid placement.
2024 verified lending records·Pulled 2026-09-01
Top 10 hard money lenders in Alabama by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 249 | 11.49% |
| 2 | River Bank & Trust | 135 | 8.50% |
| 3 | Community Bank of Mississippi | 94 | 8.50% |
| 4 | BRYANT BANK | 89 | 8.50% |
| 5 | Cadence Bank | 86 | 9.00% |
| 6 | Bank Independent | 61 | 9.25% |
| 7 | Loan Funder LLC | 53 | 11.99% |
| 8 | BankFirst Financial Services | 51 | 8.54% |
| 9 | LIMA ONE CAPITAL, LLC | 49 | 10.45% |
| 10 | RPE Home, Inc | 47 | 12.00% |
Alabama hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Jefferson County
34 lenders · 263 loans
Madison County
26 lenders · 164 loans
Baldwin County
30 lenders · 111 loans
Mobile County
20 lenders · 111 loans
Tuscaloosa County
14 lenders · 90 loans
Montgomery County
14 lenders · 87 loans
Houston County
8 lenders · 56 loans
Morgan County
11 lenders · 47 loans
Lee County
15 lenders · 44 loans
Shelby County
13 lenders · 43 loans
Lauderdale County
7 lenders · 38 loans
Limestone County
11 lenders · 37 loans
Coffee County
6 lenders · 29 loans
Elmore County
9 lenders · 20 loans
Russell County
9 lenders · 20 loans
St. Clair County
10 lenders · 17 loans
Dale County
8 lenders · 16 loans
Etowah County
7 lenders · 14 loans
Marshall County
9 lenders · 14 loans
Tallapoosa County
9 lenders · 14 loans
Autauga County
4 lenders · 13 loans
Cullman County
8 lenders · 13 loans
Henry County
3 lenders · 13 loans
Walker County
5 lenders · 11 loans
Colbert County
6 lenders · 10 loans
Chilton County
3 lenders · 8 loans
Winston County
5 lenders · 7 loans
Barbour County
4 lenders · 6 loans
Calhoun County
3 lenders · 6 loans
Chambers County
3 lenders · 4 loans
Escambia County
3 lenders · 4 loans
Jackson County
4 lenders · 4 loans
Geneva County
3 lenders · 3 loans
Macon County
3 lenders · 3 loans
Monroe County
3 lenders · 3 loans
Limited 2024 activity (1–2 reporting lenders): Pike County, Hale County, Fayette County, Marion County, DeKalb County, Blount County, Butler County, Clarke County, Franklin County, Cherokee County, Crenshaw County, Greene County, Lawrence County, Marengo County, Randolph County, Washington County. These counties are typically served by the statewide lenders above.