Private & Hard Money Lenders in Rutherford County, TN
20 lenders funded 74 short-term investment-property loans in Rutherford County in 2024 at a median rate of 9.00%. Ranked by verified loan volume — not paid placement.
Rutherford County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 15 | 11.24% | 1 |
| 2 | Easy Street Capital LLC | 12 | 10.90% | — |
| 3 | HERITAGE SOUTH COMMUNITY CREDI | 8 | 8.50% | 6 |
| 4 | CB&S Bank | 6 | 7.99% | 4 |
| 5 | Wilson Bank and Trust | 4 | 9.00% | 38 |
| 6 | Pinnacle Bank | 4 | 7.75% | 18 |
| 7 | ABL RPC Residential Credit Acquisition LLC | 4 | 13.88% | — |
| 8 | 212 Loans, LLC | 3 | 11.99% | — |
| 9 | Old National Bank | 3 | 9.00% | — |
| 10 | FIRSTBANK | 2 | — | 18 |
| 11 | FIRST NATIONAL BANK OF MIDDLE TENNESSEE | 2 | — | 10 |
| 12 | ASCEND FEDERAL CREDIT UNION | 2 | — | 6 |
| 13 | Cadence Bank | 2 | — | 1 |
| 14 | SmartBank | 1 | — | 5 |
| 15 | RF Renovo Management Company, LLC | 1 | — | 3 |
| 16 | American Heritage Lending, LLC | 1 | — | 2 |
| 17 | CITIZENS BANK | 1 | — | 2 |
| 18 | F&M Bank | 1 | — | 1 |
| 19 | Temple View Capital Funding LP | 1 | — | 1 |
| 20 | BANKPLUS | 1 | — | — |
DSCR / long-term rental lenders in Rutherford 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
20 lenders reported short-term, business-purpose investment loans in Rutherford County in 2024 verified lending records — 74 loans totaling $25.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Rutherford County's active lenders was 9.00% in 2024, with per-lender medians ranging from 7.75% to 13.88%. 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.