Private & Hard Money Lenders in Alachua County, FL
12 lenders funded 36 short-term investment-property loans in Alachua County in 2024 at a median rate of 10.70%. Ranked by verified loan volume — not paid placement.
Alachua County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 21 | 10.70% | 1 |
| 2 | CAPITAL CITY BANK | 3 | 9.50% | 1 |
| 3 | RPE Home, Inc | 3 | 12.00% | — |
| 4 | RENASANT BANK | 1 | — | 7 |
| 5 | First Ciitizens Bank and Trust | 1 | — | 1 |
| 6 | LendingOne LLC | 1 | — | 1 |
| 7 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 1 |
| 8 | Armed Forces Bank, N.A. | 1 | — | — |
| 9 | Direct Lending Partners LLC | 1 | — | — |
| 10 | Easy Street Capital LLC | 1 | — | — |
| 11 | Loan Funder LLC | 1 | — | — |
| 12 | RF Renovo Management Company, LLC | 1 | — | — |
DSCR / long-term rental lenders in Alachua 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
12 lenders reported short-term, business-purpose investment loans in Alachua County in 2024 verified lending records — 36 loans totaling $39.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Alachua County's active lenders was 10.70% in 2024, with per-lender medians ranging from 9.50% to 12.00%. 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.