Built by an investor who borrowed first.
We are a direct hard money lender in Nashville, run by people who have been buying, building and renting Tennessee property for two decades.
The borrower on the other side of the table.
Jason Dodge bought his first house in 2005 with owner financing and rented out his first property the same year. He has been in Tennessee real estate ever since: buying rentals, renovating houses, building new ones, and managing property for other investors.
For most of those years, he was the one borrowing hard money. He knows how it feels to find a deal that works, then lose it to a lender who took three weeks to answer, tacked on fees nobody mentioned up front, or sat on a draw while the crew stood around.
In 2022 he crossed to the other side of the table and started lending, as a partner in Nashville Money Guys. Scale Private Capital is the lender he wanted back when he was borrowing: one all-in price with no fee stacking, valuations done in house instead of a three-week appraisal, and a real person who can say yes. We lend our own capital and service our own loans, so the answer comes from the person you called.
Know us as Nashville Money Guys? You are in the right place. Same people, same money, same nine-day close.
Away from deals, Jason is with his wife and two kids, on a dirt bike, or reading.
We do this work ourselves.
Urban Dwell Homes
Our construction and renovation company, building and rehabbing houses across Nashville. It is why a scope of work makes sense to us, and why we can judge a rehab budget quickly.
RENEW Real Estate Services
An East Nashville property management company with roughly 400 properties under management, so we know what a rental is worth and what it takes to hold one.
Token Mortgage Group
Our note business, buying non-performing mortgages. Reading loans and collateral for a living is what shaped how we underwrite yours.
The deal, not the paperwork.
We are asset-based lenders. We look at the property, the rehab budget, the after-repair value, and your exit. No tax returns, no employment verification, no credit minimum. A first-time flipper with a good deal is fundable, and experienced operators earn better terms over time through the Scale Program.
We lend on business-purpose real estate across Tennessee: fix and flip, bridge, land, ground-up construction, and manufactured homes. The one thing we will not lend on is a home you plan to live in. Our pricing is three points and 12% interest with no junk fees, and we put all of it in writing on our rates and fees page.
Send us the deal.
Most borrowers have a term sheet within a day, and funding in about nine.