Private & Hard Money Lenders in Bradley County, TN
10 lenders funded 27 short-term investment-property loans in Bradley County in 2024 at a median rate of 11.20%. Ranked by verified loan volume — not paid placement.
Bradley County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | SouthEast Bank | 6 | 8.50% | 4 |
| 2 | KIAVI FUNDING, INC. | 6 | 11.20% | 1 |
| 3 | American Heritage Lending, LLC | 3 | 11.25% | 2 |
| 4 | FIRST CITIZENS NATIONAL BANK | 2 | — | 8 |
| 5 | SmartBank | 2 | — | 4 |
| 6 | Dominion Financial Services, LLC | 2 | — | 2 |
| 7 | SIMMONS BANK | 2 | — | 2 |
| 8 | Pinnacle Bank | 2 | — | 1 |
| 9 | SimplyBank. | 1 | — | 1 |
| 10 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Bradley 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 Bradley County in 2024 verified lending records — 27 loans totaling $9.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Bradley County's active lenders was 11.20% in 2024, with per-lender medians ranging from 8.50% to 11.25%. 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.