Private & Hard Money Lenders in Chatham County, GA
25 lenders funded 121 short-term investment-property loans in Chatham County in 2024 at a median rate of 10.05%. Ranked by verified loan volume — not paid placement.
Chatham County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 36 | 11.49% | 10 |
| 2 | LIMA ONE CAPITAL, LLC | 11 | 10.05% | 3 |
| 3 | Easy Street Capital LLC | 11 | 10.90% | — |
| 4 | LendingOne LLC | 10 | 9.74% | 22 |
| 5 | UNITED COMMUNITY BANK | 8 | 8.25% | 2 |
| 6 | Loan Funder LLC | 7 | 11.00% | 7 |
| 7 | Queensborough National Bank and Trust | 5 | 8.95% | — |
| 8 | The First Bank | 5 | 8.50% | — |
| 9 | Colony Bank | 4 | 9.50% | 13 |
| 10 | Dominion Financial Services, LLC | 4 | 11.00% | 3 |
| 11 | RENASANT BANK | 3 | 8.25% | 16 |
| 12 | Conventus Lending LLC | 3 | 10.99% | 2 |
| 13 | Temple View Capital Funding LP | 2 | — | — |
| 14 | Workmens Circle Credit Union | 1 | — | 45 |
| 15 | Ameris Bank | 1 | — | 14 |
| 16 | SouthState Bank, N.A. | 1 | — | 7 |
| 17 | SYNOVUS BANK | 1 | — | 4 |
| 18 | ABL RPC Residential Credit Acquisition LLC | 1 | — | 3 |
| 19 | US BANK, N.A. | 1 | — | 2 |
| 20 | Arbor Realty Trust, Inc. | 1 | — | 1 |
| 21 | ARVEST BANK | 1 | — | — |
| 22 | Cadence Bank | 1 | — | — |
| 23 | Carrollton Bank | 1 | — | — |
| 24 | RPE Home, Inc | 1 | — | — |
| 25 | SERVISFIRST BANK | 1 | — | — |
DSCR / long-term rental lenders in Chatham 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
25 lenders reported short-term, business-purpose investment loans in Chatham County in 2024 verified lending records — 121 loans totaling $61.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Chatham County's active lenders was 10.05% in 2024, with per-lender medians ranging from 8.25% 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.