Private & Hard Money Lenders in Russell County, AL
9 lenders funded 20 short-term investment-property loans in Russell County in 2024 at a median rate of 11.25%. Ranked by verified loan volume — not paid placement.
Russell County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 8 | 11.25% | 1 |
| 2 | Phenix-Girard Bank | 4 | 9.00% | 15 |
| 3 | LIMA ONE CAPITAL, LLC | 2 | — | — |
| 4 | SERVISFIRST BANK | 1 | — | 3 |
| 5 | LendingOne LLC | 1 | — | 2 |
| 6 | SYNOVUS BANK | 1 | — | 1 |
| 7 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 8 | Colony Bank | 1 | — | — |
| 9 | RENASANT BANK | 1 | — | — |
DSCR / long-term rental lenders in Russell 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 Russell County in 2024 verified lending records — 20 loans totaling $3.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Russell County's active lenders was 11.25% in 2024, with per-lender medians ranging from 9.00% to 11.25%. 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.