Birmingham Hard Money Lender
Fast, flexible hard money loans for Birmingham real estate investors. Fix & flip, DSCR, bridge, and construction financing across Central Alabama.
48
States We Lend In
7 Days
Fastest Close Time
9.99%
Rates Starting At
4.9/5
Client Rating
Why Birmingham Investors Choose Us
Birmingham's affordability and strong rent-to-price ratios make it a standout Southeast market for cash-flow investors and flippers working the urban core.
Investor-First Lending
We lend on the deal, not your W-2. Asset-based underwriting means Birmingham investors get answers in hours, not weeks.
Fast Closings
Close in as fast as 7 days. Our in-house underwriting means no delays — win deals other buyers can't.
Personal Service
Work with real humans, not algorithms. A dedicated account executive guides every Birmingham deal from term sheet to closing table.
Hard Money Loans for Birmingham Investors
Comprehensive financing solutions for every Birmingham real estate investment strategy.
Fix & Flip Loans
Up to 90% LTC and 100% rehab financing for Birmingham investment properties. Close in as fast as 7 days.
DSCR Rental Loans
No income verification. Qualify based on property cash flow — a great fit for Birmingham's rental market.
New Construction
Ground-up construction financing for single-family and multi-unit projects throughout the Birmingham area.
Bridge Loans
Quick bridge financing to acquire Birmingham properties before your exit strategy is finalized.
Serving Greater Birmingham
From the city center to the over-the-mountain suburbs, we fund investment deals across Central Alabama.
Plus all other Birmingham-area communities. We lend in 48 states from our San Diego headquarters.
Talk to Our Birmingham Lending Team
Lending in Birmingham, AL
100% remote closings — no office visit required. Funded from our San Diego headquarters.
Phone
(619) 369-4444Hours
Monday - Friday: 8am - 6pm PT
Weekends: By Appointment
Birmingham Hard Money Loan FAQs
Common questions from Birmingham real estate investors.
What areas of Birmingham do you serve?
We fund deals throughout the Birmingham area including Hoover, Vestavia Hills, Homewood, Mountain Brook, Trussville, Bessemer, Pelham, Alabaster, and all surrounding communities in Alabama.
How fast can you close on a Birmingham property?
We can close in as fast as 7 days for straightforward deals. Most Birmingham transactions close within 10-14 days.
Do you require Birmingham real estate experience?
No. We work with first-time investors and experienced flippers alike. Our team can guide you through your first Birmingham investment.
What are your rates for Birmingham hard money loans?
Rates start at 9.99% depending on experience, property type, and loan-to-value. Contact us for a custom quote on your Birmingham project.
Do you fund DSCR loans in Birmingham?
Yes! We qualify based on property cash flow, not personal income — a strong fit for Birmingham rental investors.
Ready to Fund Your Birmingham Investment?
Get a free quote in minutes. Our team is standing by to help with your next Birmingham real estate deal.