Private & Hard Money Lenders in Richmond County, GA
16 lenders funded 65 short-term investment-property loans in Richmond County in 2024 at a median rate of 10.60%. Ranked by verified loan volume — not paid placement.
Richmond County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Queensborough National Bank and Trust | 14 | 8.50% | 20 |
| 2 | KIAVI FUNDING, INC. | 12 | 11.74% | 12 |
| 3 | Loan Funder LLC | 8 | 12.00% | 6 |
| 4 | Easy Street Capital LLC | 7 | 10.90% | — |
| 5 | LIMA ONE CAPITAL, LLC | 5 | 10.60% | 23 |
| 6 | SRP Federal Credit Union | 3 | 8.75% | 15 |
| 7 | SECURITY FEDERAL BANK | 3 | 8.25% | — |
| 8 | Cadence Bank | 2 | — | 9 |
| 9 | LendingOne LLC | 2 | — | 4 |
| 10 | Merchants Mortgage & Trust Corporation | 2 | — | — |
| 11 | RPE Home, Inc | 2 | — | — |
| 12 | SYNOVUS BANK | 1 | — | 3 |
| 13 | First Community Bank | 1 | — | 2 |
| 14 | BANK OZK | 1 | — | — |
| 15 | Secured Investment Corp | 1 | — | — |
| 16 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Richmond 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
16 lenders reported short-term, business-purpose investment loans in Richmond County in 2024 verified lending records — 65 loans totaling $13.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Richmond County's active lenders was 10.60% in 2024, with per-lender medians ranging from 8.25% 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.