Private & Hard Money Lenders in Clayton County, GA
20 lenders funded 133 short-term investment-property loans in Clayton County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Clayton County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 58 | 11.70% | 10 |
| 2 | Loan Funder LLC | 18 | 10.24% | 7 |
| 3 | Easy Street Capital LLC | 16 | 10.90% | — |
| 4 | Conventus Lending LLC | 8 | 10.25% | — |
| 5 | LendingOne LLC | 5 | 10.24% | 7 |
| 6 | Churchill Funding I LLC | 5 | 11.33% | — |
| 7 | The First Bank | 3 | 8.50% | 2 |
| 8 | Temple View Capital Funding LP | 3 | 12.00% | 1 |
| 9 | 212 Loans, LLC | 3 | 10.99% | — |
| 10 | BANK OZK | 2 | — | 1 |
| 11 | Colony Bank | 2 | — | — |
| 12 | LIMA ONE CAPITAL, LLC | 2 | — | — |
| 13 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 9 |
| 14 | Dominion Financial Services, LLC | 1 | — | 7 |
| 15 | RENASANT BANK | 1 | — | 2 |
| 16 | ABL RPC Residential Credit Acquisition LLC | 1 | — | 1 |
| 17 | GEORGIA'S OWN CREDIT UNION | 1 | — | 1 |
| 18 | Ice Lender Holdings LLC | 1 | — | 1 |
| 19 | HOMETRUST BANK | 1 | — | — |
| 20 | Investmark Mortgage LLC | 1 | — | — |
DSCR / long-term rental lenders in Clayton 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
20 lenders reported short-term, business-purpose investment loans in Clayton County in 2024 verified lending records — 133 loans totaling $44.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Clayton County's active lenders was 10.90% in 2024, with per-lender medians ranging from 8.50% 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.