Alabama Private Money Lenders
Seeking a private money loan secured by real estate in Alabama? On this page you'll find a list of direct private money lending companies that offer fast funding for a property purchase, refinance, or equity cash out in 1st lien position. Private money loansare for short-term (3-24 months) and primarily qualify based on equity in the subject property, at least 30% for most lenders. We only list professional private lending companies, not individual investors.Searching...
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RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Certain Lending
The Mortgage Company Built for Real Estate Investors
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Unitas Funding LLC
Direct Lending for Residential Property Investors - Bridge, Rehab, Construction
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Yieldi
Direct, Reliable Lender for Investment Properties
Groundfloor Lending
Fast Funding with Deferred Interest Payments
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
Center Street Lending
Smarter Loans for Residential Investors
RBI Private Lending
Direct lender for Bridge Laons, Fix and Flip and Construction. Foreign nationals and new investors welcome.
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
i Fund Cities
Direct Lender for Builders and Rehabbers
Temple View Capital
Direct Lender for Residenital Property Investors Nationwide
Coastal Equity Group
Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.
Gelt Financial, LLC
Creative Private Financing for Commercial Real Estate since 1989
Top 20 Alabama Private Lenders
According to Forecasa™, here are the Top Private Lenders ranked by the number of private mortgage loans* originated in Alabama from April 2025 to June 2025.
- Kiavi funded 90 loans
- ROC Capital funded 54 loans
- Constructive Loans funded 47 loans
- RCN Capital LLC funded 44 loans
- Rei Funding Partners LLC funded 38 loans
- Robertson Banking Company funded 33 loans
- Mobile Capital Company LLC funded 31 loans
- Cv3 Financial Services LLC funded 31 loans
- Virgo Funding LLC funded 31 loans
- JL Lane Lending LLC funded 26 loans
- Crebrid (Wildcat Lending) funded 26 loans
- American Heritage Lending LLC funded 26 loans
- LendingOne funded 26 loans
- Dominion Financial Services LLC funded 26 loans
- Visio Lending funded 26 loans
- Lima One Capital funded 26 loans
- Longhorn Investments funded 26 loans
- i Fund Cities funded 26 loans
- Corevest American Finance LLC funded 26 loans
- Velocity Commercial Capital funded 26 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..
Alabama Private Money Interest Rates
According to the private money loan documents software company, Lightning Docs, the average interest rate for Alabama private money loans in the 3rd quarter of 2025 was 10.78%. The average loan amount was $343,430. These stats are the average of 67 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Alabama between July 1, 2025 and September 30, 2025 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
According to private lending data provider, Analytics Logics, the average interest rate for Alabama private money loans in the 3rd quarter of 2025 was 11.54%. Lenders charged an average of 2.6% points (origination fee). The average LTV (loan-to-value) for private money loans in Alabama was 61%, and the average loan amount was $187,200. These stats are the average of all the loans which were funded between July 1, 2025 and September 30, 2025 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top Alabama Investors Using Private Lenders
According to Forecasa™, here are the some of the most active real estate investors in Alabama that use private lenders, ranked by the number of mortgage transactions* from January 2025 to August 2025.
- North Alabama House Buyer LLC
- Country Land Buyers
- Harris Land And Timber Company LLC
- FAMILY SNOWBALL LLC
- Yellow Hammer Flips LLC
- Mlm Bros 2020 LLC
- Lg7 Real Estate LLC
- Sparrow Investments LLC
- Elan Homes & Communities INC
- Gdm Properties LLC
- Hitchens Holdings LLC
- REVIVE REAL ESTATE LLC
- GREGORY HOLDINGS LLC
- YELLOW HAMMER RENTALS LLC
- PROPERTY LIAISON SERVICES LLC
- Seg LLC
- JRP PROPERTIES LLC
- Pena Grace LLC
- Prodigy Properties LLC
- Renaissance Properties 2025 LLC
Here are some of the lenders on our platform that have funded loans for the top residential real estate investors in Alabama recently:
Kiavi | RCN Capital LLC | Capital Fund I LLC | American Heritage Lending LLC | Rain City Capital LLC | Temple View Capital
* Many of these real estate investors also use banks and traditional financing, but Forecasa data shows that they have recently used a hard money lender for their property investments.
Forecasa™ empowers real estate professionals with data-driven insights to wholesalers looking for cash buyers, real estate investors tracking their competition, or lenders seeking new clients. With access to property acquisition data, investor profiles, and transaction patterns, you can quickly identify active buyers, match deals to the right investors, and move properties faster. Whether you buy a few credits for targeted lookups or subscribe for full market access, Forecasa helps you stay ahead of the competition and build relationships with the most active players in your area.
Alabama Private Lending Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of private mortgage loans secured by investment real estate in Alabama which were funded by private lenders from January 2025 to December 2025.
- Approximately $79,677,287 of private money loans were funded in the 4th quarter of 2025 for 341 borrowers.
- Approximately $92,379,788 of private money loans were funded in the 3rd quarter of 2025 for 369 borrowers.
- Approximately $92,459,803 of private money loans were funded in the 2nd quarter of 2025 for 356 borrowers.
- Approximately $167,695,590 of private money loans were funded in the 1st quarter of 2025 for 289 borrowers.
Below are the approximate private money loan volume amounts for Alabama’s metropolitan areas:
Birmingham, AL
- 2025 Q4: $35,514,949 for 150 borrowers
- 2025 Q3: $36,364,379 for 150 borrowers
- 2025 Q2: $39,307,905 for 143 borrowers
- 2025 Q1: $27,104,656 for 117 borrowers
Huntsville, AL
- 2025 Q4: $10,154,627 for 36 borrowers
- 2025 Q3: $18,371,929 for 47 borrowers
- 2025 Q2: $11,635,001 for 30 borrowers
- 2025 Q1: $79,315,407 for 20 borrowers
Mobile, AL
- 2025 Q4: $8,927,064 for 57 borrowers
- 2025 Q3: $10,816,697 for 66 borrowers
- 2025 Q2: $10,544,601 for 79 borrowers
- 2025 Q1: $14,475,833 for 59 borrowers
Montgomery, AL
- 2025 Q4: $13,427,383 for 54 borrowers
- 2025 Q3: $13,560,912 for 56 borrowers
- 2025 Q2: $17,100,895 for 67 borrowers
- 2025 Q1: $10,748,566 for 48 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
