Private & Hard Money Lenders in Henrico County, VA
12 lenders funded 47 short-term investment-property loans in Henrico County in 2024 at a median rate of 9.95%. Ranked by verified loan volume — not paid placement.
Henrico County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 27 | 10.95% | 5 |
| 2 | UNITED BANK | 3 | 8.75% | 5 |
| 3 | LIMA ONE CAPITAL, LLC | 3 | 9.95% | 2 |
| 4 | Dominion Financial Services, LLC | 2 | — | 12 |
| 5 | Loan Funder LLC | 2 | — | 10 |
| 6 | Virginia Federal Credit Union | 2 | — | 9 |
| 7 | Village Bank | 2 | — | 5 |
| 8 | Easy Street Capital LLC | 2 | — | — |
| 9 | LendingOne LLC | 1 | — | 2 |
| 10 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 11 | Strategic Funding, LP | 1 | — | — |
| 12 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Henrico 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
12 lenders reported short-term, business-purpose investment loans in Henrico County in 2024 verified lending records — 47 loans totaling $12.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Henrico County's active lenders was 9.95% in 2024, with per-lender medians ranging from 8.75% to 10.95%. 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.