Hard Money Lender in Franklin, Tennessee
Fast financing for Franklin and Williamson County investors — fix & flip, bridge, land, and construction, funded in days.
Or call us direct — (615) 989-0020
Franklin is Tennessee's premium market — higher price points, higher stakes, and no room for slow financing.
Scale Private Capital funds hard money loans for Williamson County investors — fix-and-flip, bridge, land, and new construction. We underwrite the property and the after-repair value, so a higher-end project gets sized on its real numbers instead of squeezed into a bank's box.
We're based in Nashville, a short drive north, and lend across Tennessee — the same fast decisions and reliable servicing, scaled to Franklin's larger deal sizes.
What makes this market move.
Higher ARVs, larger loans
Williamson County carries some of the highest home values in the state. At 65% of after-repair value, that still funds a substantial loan — the leverage scales with the deal.
Renovation, not just cosmetics
Franklin buyers expect quality. Full renovations and higher-end finishes are the norm here, and your scope of work should reflect it — we underwrite to that standard.
Speed is the edge
Premium inventory draws competition, often from cash. A term sheet in a day and funding in about nine lets you compete without waiting on a bank.
Loan programs in Franklin
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
Not sure what a deal pencils to? Run it through our calculator, or get a pre-approval letter before you make an offer.
Repeat borrower? Ask about the Scale Program — earned benefits for proven investors.
Answered.
Do you fund higher-priced Franklin flips?
Yes. We size the loan off the after-repair value at up to 65%, so a higher-value Williamson County project simply means a larger loan — the structure is the same. Additional collateral can extend leverage further on the right deal.
How fast can you close in Franklin?
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.