Private & Hard Money Lenders in Cumberland County, NJ
10 lenders funded 127 short-term investment-property loans in Cumberland County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Cumberland County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 42 | 10.50% | 29 |
| 2 | RF Renovo Management Company, LLC | 33 | 10.25% | 34 |
| 3 | KIAVI FUNDING, INC. | 24 | 11.45% | 1 |
| 4 | LIMA ONE CAPITAL, LLC | 8 | 10.75% | 12 |
| 5 | ABL RPC Residential Credit Acquisition LLC | 7 | 12.25% | 3 |
| 6 | Temple View Capital Funding LP | 6 | 10.50% | 2 |
| 7 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 5 |
| 8 | Dominion Financial Services, LLC | 2 | — | 2 |
| 9 | LendingOne LLC | 2 | — | 2 |
| 10 | Easy Street Capital LLC | 1 | — | — |
DSCR / long-term rental lenders in Cumberland 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
10 lenders reported short-term, business-purpose investment loans in Cumberland County in 2024 verified lending records — 127 loans totaling $22.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Cumberland County's active lenders was 10.75% in 2024, with per-lender medians ranging from 10.25% to 12.25%. 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.