Private & Hard Money Lenders in Hamilton County, IN
12 lenders funded 26 short-term investment-property loans in Hamilton County in 2024 at a median rate of 11.75%. Ranked by verified loan volume — not paid placement.
Hamilton County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 7 | 11.75% | 1 |
| 2 | MM Lending, LLC | 4 | 12.00% | — |
| 3 | LIMA ONE CAPITAL, LLC | 3 | 9.50% | — |
| 4 | CENTIER BANK | 2 | — | 2 |
| 5 | LAKE CITY BANK | 2 | — | 1 |
| 6 | Loan Funder LLC | 2 | — | 1 |
| 7 | INDIANA MEMBERS CREDIT UNION | 1 | — | 26 |
| 8 | Merchants Bank of Indiana | 1 | — | 4 |
| 9 | AMERICAN BANK OF FREEDOM | 1 | — | — |
| 10 | Arixa Enhanced Income Fund, LP | 1 | — | — |
| 11 | Lument Structured Finance, LLC | 1 | — | — |
| 12 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Hamilton 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 Hamilton County in 2024 verified lending records — 26 loans totaling $116.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Hamilton County's active lenders was 11.75% 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.