Private & Hard Money Lenders in Spalding County, GA
9 lenders funded 64 short-term investment-property loans in Spalding County in 2024 at a median rate of 9.65%. Ranked by verified loan volume — not paid placement.
Spalding County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | UNITED BANK | 40 | 8.50% | 6 |
| 2 | KIAVI FUNDING, INC. | 10 | 11.00% | 5 |
| 3 | LIMA ONE CAPITAL, LLC | 4 | 9.65% | — |
| 4 | The First Bank | 3 | 8.50% | 3 |
| 5 | Loan Funder LLC | 3 | 10.99% | 1 |
| 6 | BANK OZK | 1 | — | 2 |
| 7 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 8 | American Heritage Lending, LLC | 1 | — | — |
| 9 | SOUTHERN FIRST BANK | 1 | — | — |
DSCR / long-term rental lenders in Spalding 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
9 lenders reported short-term, business-purpose investment loans in Spalding County in 2024 verified lending records — 64 loans totaling $15.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Spalding County's active lenders was 9.65% in 2024, with per-lender medians ranging from 8.50% to 11.00%. 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.