Private & Hard Money Lenders in Marshall County, AL
9 lenders funded 14 short-term investment-property loans in Marshall County in 2024 at a median rate of 9.00%. Ranked by verified loan volume — not paid placement.
Marshall County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Cadence Bank | 5 | 9.00% | 1 |
| 2 | KIAVI FUNDING, INC. | 2 | — | — |
| 3 | Family Savings Credit Union | 1 | — | 134 |
| 4 | BRYANT BANK | 1 | — | 3 |
| 5 | Bank Independent | 1 | — | — |
| 6 | BankFirst Financial Services | 1 | — | — |
| 7 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 8 | Loan Funder LLC | 1 | — | — |
| 9 | SmartBank | 1 | — | — |
DSCR / long-term rental lenders in Marshall 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
9 lenders reported short-term, business-purpose investment loans in Marshall County in 2024 verified lending records — 14 loans totaling $3.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Marshall County's active lenders was 9.00% in 2024. 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.