Hard Money Loans in Augusta, GA
Find lenders offering hard money loans in the Augusta, including Evans, Martinez, North Augusta, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Hard Money Lenders Serving Augusta
15 lenders offering hard money loans in the Augusta, GA area.
Groundfloor
LocalAtlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Anchor Loans
Thousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Stbridge Capital
Los Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
Augusta Commercial Real Estate Market
Augusta's commercial real estate market is driven by three pillars: Fort Eisenhower (formerly Fort Gordon), which is the U.S. Army's Cyber Center of Excellence and employs over 30,000 military and civilian personnel; the Augusta University Health System, the region's largest employer; and the annual Masters Tournament at Augusta National Golf Club, which generates substantial hospitality and retail CRE demand. The Gordon Highway and Riverwatch Parkway corridors are the primary commercial arteries, while the Cyber District in downtown Augusta is attracting technology and defense contractor tenants seeking proximity to the fort. Suburban growth in Evans and Martinez in Columbia County has driven retail, medical office, and multifamily development. The market offers significantly lower entry costs than Atlanta, with cap rates typically 100-200 basis points higher.
Key Economic Drivers
- ●Fort Eisenhower (Army Cyber Center of Excellence) and associated defense contractor demand
- ●Augusta University Health System and medical campus expansion
- ●Masters Tournament-driven hospitality and short-term rental investment
- ●Columbia County suburban growth in Evans and Martinez
Market Insight
Fort Eisenhower's designation as the Army Cyber Command headquarters has attracted defense contractors including GDIT, Parsons, and Perspecta to the Augusta Cyber District, creating a specialized office submarket downtown that did not exist a decade ago.
Hard Money Loans in Augusta, Georgia
Hard money loans are short-term, asset-based loans primarily secured by real estate. Funded by private investors or companies rather than banks, they prioritize the property's value over the borrower's creditworthiness. Ideal for fix-and-flip, distressed properties, and deals that need to close fast. In the Augusta metro area, borrowers can access 15 lenders offering Hard Money financing, including Evans, Martinez, North Augusta, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 10% - 15%.
Who Should Consider Hard Money Loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Borrowers with credit issues
- Deals requiring immediate close
Key Requirements
- Property as collateral (LTV 60-75%)
- Exit strategy
- Down payment or equity
- Property appraisal
Advantages
- ✓Fastest closing (days, not weeks)
- ✓Credit score less important
- ✓Flexible terms
- ✓Finance distressed properties
Considerations
- •Highest interest rates
- •Short terms
- •High origination fees (2-5 points)
- •Requires strong exit strategy
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