Private & Hard Money Lenders in Shelby County, AL
13 lenders funded 43 short-term investment-property loans in Shelby County in 2024 at a median rate of 9.50%. Ranked by verified loan volume — not paid placement.
Shelby County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 15 | 11.49% | — |
| 2 | Community Bank of Mississippi | 7 | 7.75% | — |
| 3 | SOUTHPOINT BANK | 6 | 9.50% | 1 |
| 4 | Cadence Bank | 3 | 9.00% | 2 |
| 5 | BRYANT BANK | 2 | — | 1 |
| 6 | BANKPLUS | 2 | — | — |
| 7 | LIMA ONE CAPITAL, LLC | 2 | — | — |
| 8 | FIRSTBANK | 1 | — | 2 |
| 9 | River Bank & Trust | 1 | — | 2 |
| 10 | TRUSTMARK NATIONAL BANK | 1 | — | 1 |
| 11 | Assurance Financial Group, L.L.C. | 1 | — | — |
| 12 | SmartBank | 1 | — | — |
| 13 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Shelby 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
13 lenders reported short-term, business-purpose investment loans in Shelby County in 2024 verified lending records — 43 loans totaling $13.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Shelby County's active lenders was 9.50% in 2024, with per-lender medians ranging from 7.75% to 11.49%. 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.