Private & Hard Money Lenders in Tuscaloosa County, AL
14 lenders funded 90 short-term investment-property loans in Tuscaloosa County in 2024 at a median rate of 8.75%. Ranked by verified loan volume — not paid placement.
Tuscaloosa County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | BRYANT BANK | 29 | 8.75% | 30 |
| 2 | BankFirst Financial Services | 25 | 8.50% | 41 |
| 3 | RENASANT BANK | 9 | 8.50% | 7 |
| 4 | SmartBank | 8 | 7.75% | 4 |
| 5 | KIAVI FUNDING, INC. | 5 | 11.99% | 6 |
| 6 | Secured Investment Corp | 4 | 12.99% | — |
| 7 | River Bank & Trust | 2 | — | 1 |
| 8 | RPE Home, Inc | 2 | — | — |
| 9 | CB&S Bank | 1 | — | 4 |
| 10 | Loan Funder LLC | 1 | — | 2 |
| 11 | Community Bank of Mississippi | 1 | — | 1 |
| 12 | UNITED COMMUNITY BANK | 1 | — | 1 |
| 13 | Conventus Lending LLC | 1 | — | — |
| 14 | Easy Street Capital LLC | 1 | — | — |
DSCR / long-term rental lenders in Tuscaloosa 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 Tuscaloosa County in 2024 verified lending records — 90 loans totaling $57.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Tuscaloosa County's active lenders was 8.75% in 2024, with per-lender medians ranging from 7.75% to 12.99%. 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.