Private & Hard Money Lenders in Dale County, AL
8 lenders funded 16 short-term investment-property loans in Dale County in 2024 at a median rate of 11.49%. Ranked by verified loan volume — not paid placement.
Dale County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Troy Bank and Trust | 5 | 9.00% | 5 |
| 2 | KIAVI FUNDING, INC. | 4 | 11.49% | 1 |
| 3 | Loan Funder LLC | 2 | — | 1 |
| 4 | BANKPLUS | 1 | — | 4 |
| 5 | PEOPLESSOUTH BANK | 1 | — | 4 |
| 6 | River Bank & Trust | 1 | — | 1 |
| 7 | Equity Bank | 1 | — | — |
| 8 | RENASANT BANK | 1 | — | — |
DSCR / long-term rental lenders in Dale County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
8 lenders reported short-term, business-purpose investment loans in Dale County in 2024 verified lending records — 16 loans totaling $2.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Dale County's active lenders was 11.49% in 2024, with per-lender medians ranging from 9.00% to 11.49%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.