Private & Hard Money Lenders in Cape May County, NJ
13 lenders funded 37 short-term investment-property loans in Cape May County in 2024 at a median rate of 10.25%. Ranked by verified loan volume — not paid placement.
Cape May County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | RF Renovo Management Company, LLC | 8 | 9.99% | — |
| 2 | KIAVI FUNDING, INC. | 7 | 11.75% | 6 |
| 3 | Loan Funder LLC | 6 | 10.75% | 3 |
| 4 | Genesis Capital, LLC | 4 | 10.25% | — |
| 5 | LendingOne LLC | 3 | 9.99% | 4 |
| 6 | ABL RPC Residential Credit Acquisition LLC | 2 | — | 1 |
| 7 | 1ST COLONIAL COMMUNITY BANK | 1 | — | 8 |
| 8 | FIRST CITIZENS COMMUNITY BANK | 1 | — | 4 |
| 9 | LIMA ONE CAPITAL, LLC | 1 | — | 3 |
| 10 | BHCU | 1 | — | 2 |
| 11 | Mid Penn Bank | 1 | — | 2 |
| 12 | CITIZENS & NORTHERN BANK | 1 | — | 1 |
| 13 | Meridian Bank | 1 | — | 1 |
DSCR / long-term rental lenders in Cape May 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
13 lenders reported short-term, business-purpose investment loans in Cape May County in 2024 verified lending records — 37 loans totaling $39.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Cape May County's active lenders was 10.25% 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.