Private & Hard Money Lenders in Limestone County, AL
11 lenders funded 37 short-term investment-property loans in Limestone County in 2024 at a median rate of 8.75%. Ranked by verified loan volume — not paid placement.
Limestone County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 8 | 10.95% | — |
| 2 | Bank Independent | 7 | 8.75% | 10 |
| 3 | BRYANT BANK | 6 | 8.50% | 1 |
| 4 | LendingOne LLC | 4 | 9.57% | 4 |
| 5 | River Bank & Trust | 3 | 8.50% | 2 |
| 6 | SmartBank | 3 | 8.75% | — |
| 7 | RPE Home, Inc | 2 | — | — |
| 8 | CB&S Bank | 1 | — | 6 |
| 9 | Cadence Bank | 1 | — | 3 |
| 10 | Genesis Capital, LLC | 1 | — | — |
| 11 | Secured Investment Corp | 1 | — | — |
DSCR / long-term rental lenders in Limestone 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
11 lenders reported short-term, business-purpose investment loans in Limestone County in 2024 verified lending records — 37 loans totaling $10.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Limestone County's active lenders was 8.75% in 2024, with per-lender medians ranging from 8.50% to 10.95%. 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.