Private & Hard Money Lenders in Montgomery County, AL
14 lenders funded 87 short-term investment-property loans in Montgomery County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
Montgomery County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 41 | 11.49% | 45 |
| 2 | LendingOne LLC | 10 | 10.49% | 22 |
| 3 | River Bank & Trust | 9 | 9.00% | 10 |
| 4 | RPE Home, Inc | 7 | 11.50% | — |
| 5 | Loan Funder LLC | 4 | 11.25% | 1 |
| 6 | Dominion Financial Services, LLC | 3 | 11.00% | 7 |
| 7 | RENASANT BANK | 3 | 9.50% | 7 |
| 8 | LIMA ONE CAPITAL, LLC | 2 | — | 8 |
| 9 | SERVISFIRST BANK | 2 | — | 2 |
| 10 | Troy Bank and Trust | 2 | — | 1 |
| 11 | Max Credit Union | 1 | — | 10 |
| 12 | CB&S Bank | 1 | — | 7 |
| 13 | Constructive Loans LLC | 1 | — | 7 |
| 14 | Secured Investment Corp | 1 | — | — |
DSCR / long-term rental lenders in Montgomery 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
14 lenders reported short-term, business-purpose investment loans in Montgomery County in 2024 verified lending records — 87 loans totaling $15.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Montgomery County's active lenders was 11.00% in 2024, with per-lender medians ranging from 9.00% to 11.50%. 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.