Private & Hard Money Lenders in Madison County, AL
26 lenders funded 164 short-term investment-property loans in Madison County in 2024 at a median rate of 9.50%. Ranked by verified loan volume — not paid placement.
Madison County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 34 | 10.95% | 16 |
| 2 | BRYANT BANK | 20 | 8.50% | 24 |
| 3 | River Bank & Trust | 20 | 8.50% | 7 |
| 4 | Bank Independent | 16 | 8.75% | 38 |
| 5 | LIMA ONE CAPITAL, LLC | 16 | 10.05% | 2 |
| 6 | SmartBank | 10 | 8.75% | 5 |
| 7 | RPE Home, Inc | 8 | 12.00% | — |
| 8 | CB&S Bank | 6 | 9.50% | 16 |
| 9 | TRUSTMARK NATIONAL BANK | 4 | 9.44% | 3 |
| 10 | Easy Street Capital LLC | 4 | 10.90% | — |
| 11 | LendingOne LLC | 3 | 9.75% | 23 |
| 12 | Cadence Bank | 3 | 9.00% | 15 |
| 13 | BANKPLUS | 3 | 9.50% | — |
| 14 | BankFirst Financial Services | 2 | — | 8 |
| 15 | SERVISFIRST BANK | 2 | — | 4 |
| 16 | RENASANT BANK | 2 | — | 3 |
| 17 | Merchants Mortgage & Trust Corporation | 2 | — | — |
| 18 | Dominion Financial Services, LLC | 1 | — | 14 |
| 19 | BPL Mortgage, LLC | 1 | — | 11 |
| 20 | Loan Funder LLC | 1 | — | 7 |
| 21 | Assurance Financial Group, L.L.C. | 1 | — | 2 |
| 22 | Armed Forces Bank, N.A. | 1 | — | — |
| 23 | Conventus Lending LLC | 1 | — | — |
| 24 | Secured Investment Corp | 1 | — | — |
| 25 | SOUTHPOINT BANK | 1 | — | — |
| 26 | WELLS FARGO BANK NA | 1 | — | — |
DSCR / long-term rental lenders in Madison 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
26 lenders reported short-term, business-purpose investment loans in Madison County in 2024 verified lending records — 164 loans totaling $73.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Madison County's active lenders was 9.50% in 2024, with per-lender medians ranging from 8.50% to 12.00%. 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.