Hard Money Lender in Chattanooga, Tennessee
Fast financing for Chattanooga real estate investors — fix & flip, bridge, land, and construction, funded in days.
Or call us direct — (615) 989-0020
Chattanooga's investment market moves fast, and the right deal won't wait for a bank.
Scale Private Capital funds hard money loans for Chattanooga investors — fix-and-flip, bridge, land, and construction — underwriting the property and the plan so you can close fast.
We're based in Nashville and lend across Tennessee, bringing the same fast decisions and reliable servicing to the Chattanooga market.
What makes this market move.
More inventory, more room to negotiate
Hamilton County had 2,060 active listings in August 2026, up 23.3% from a year earlier, per our Tennessee market report. More sellers competing means more room to buy right.
The profit is made at purchase
Median days on market rose 11 to 64, with a 36% pending ratio. Buy at a price that leaves cushion for a slower sale. We underwrite to after-repair value and look hard at your exit before we fund.
Speed wins the discount
When sellers have options, the buyer who can close gets the better price. A term sheet in a day and funding in about nine days lets you make that offer without waiting on a bank.
Loan programs in Chattanooga
Fix & flip
Short-term financing to buy and renovate investment properties. See fix & flip loans
Private money & bridge
Fast capital to acquire or reposition when timing matters. See private money
Land & construction
Financing for land and ground-up builds. See construction loans
Repeat borrower? Ask about the Scale Program — earned benefits for proven investors.
Answered.
Do you have an office in Chattanooga?
We're headquartered in Nashville and lend across the state, including Chattanooga. You get the same underwriter, the same speed, and the same servicing wherever your Tennessee deal is.
How fast can you close?
Most deals fund in about nine days from the day you send us the property, and you'll usually have a term sheet within a day. We're a direct lender, so there's no loan committee sitting between you and an answer.
What credit score do I need?
Hard money is asset-based, so credit matters far less than it does at a bank. We look at the deal first: the property, your budget, the after-repair value, and your exit. Your track record as an operator matters more than a score.
Are you a direct lender or a broker?
Direct. We make our own credit decisions and service our own loans, which is why you get an answer quickly and reach a real person when you need a draw or a payoff statement.