Private & Hard Money Lenders in Atlantic County, NJ
15 lenders funded 116 short-term investment-property loans in Atlantic County in 2024 at a median rate of 11.25%. Ranked by verified loan volume — not paid placement.
Atlantic County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 48 | 11.75% | 8 |
| 2 | RF Renovo Management Company, LLC | 38 | 10.25% | 16 |
| 3 | Loan Funder LLC | 13 | 11.25% | 27 |
| 4 | LendingOne LLC | 5 | 9.99% | 3 |
| 5 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 5 |
| 6 | BPL Mortgage, LLC | 1 | — | 25 |
| 7 | American Heritage Lending, LLC | 1 | — | 8 |
| 8 | Conventus Lending LLC | 1 | — | 1 |
| 9 | Tompkins Community Bank | 1 | — | 1 |
| 10 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 11 | Bayport Funding LLC | 1 | — | — |
| 12 | Genesis Capital, LLC | 1 | — | — |
| 13 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 14 | RPE Home, Inc | 1 | — | — |
| 15 | Secured Investment Corp | 1 | — | — |
DSCR / long-term rental lenders in Atlantic 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
15 lenders reported short-term, business-purpose investment loans in Atlantic County in 2024 verified lending records — 116 loans totaling $42.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Atlantic County's active lenders was 11.25% in 2024, with per-lender medians ranging from 9.99% to 11.75%. 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.