Hard money lending across Middle Tennessee.
We are based in Nashville and fund investment property in every county around it. Same terms, same nine-day close, whichever side of the county line your deal is on.
County by county.
Median days on market from our Tennessee market report, August 2026. It is the number that decides how long you should underwrite the hold.
Davidson County
Nashville, East Nashville, Madison, Antioch, Donelson, Hermitage, Bellevue, Old Hickory
67 days · 4,599 listings, the most in the state
Nashville hard money loans →Williamson County
Franklin, Brentwood, Nolensville, Thompson's Station, Fairview
59 days · $350 per sq ft, the highest in Tennessee
Franklin hard money loans →Rutherford County
Murfreesboro, Smyrna, La Vergne, Eagleville
55 days · permits up 29% since 2022
Murfreesboro hard money loans →Wilson County
Mt. Juliet, Lebanon, Watertown
50 days · the fastest exit in Tennessee
Sumner County
Gallatin, Hendersonville, Portland, White House, Westmoreland
57 days · permits up 55% since 2022
Montgomery County
Clarksville, Fort Campbell area, Woodlawn
60 days · $349,945 median list price
Clarksville hard money loans →Maury County
Columbia, Spring Hill, Mount Pleasant
57 days · asking prices up 8.6% year over year
Robertson County
Springfield, Greenbrier, Coopertown, Cross Plains
56 days · 51% pending ratio, fourth best statewide
Dickson County
Dickson, Burns, White Bluff, Charlotte
57 days · inventory up 19% year over year
Putnam County
Cookeville, Algood, Baxter, Monterey
66 days · $202 per sq ft
Coffee County
Tullahoma, Manchester
66 days · the only Middle Tennessee county with falling inventory
And the rest
Cheatham, Bedford, Marshall, Trousdale, Smith, Macon, Giles, Lawrence, Warren and the surrounding counties. If it is in Tennessee, send it to us.
Send us the deal →The ring is outrunning the city.
Nashville is the deepest market and the slowest to absorb. Davidson County holds 4,599 active listings, more than any county in Tennessee, but only 26.6% of them are under contract, the weakest absorption in the state except Sevier. Building permits there fell from 15,163 in 2022 to 5,632 in 2025.
The collar counties are where the speed is. Wilson County turns over in 50 days, the fastest in Tennessee. Rutherford runs 55 days with 46% pending, and Robertson 56 days with 51% pending. Sumner and Rutherford are the two counties still building, with permits up 55% and 29% since 2022.
Price per square foot sets your loan size. Williamson County runs $350 a foot against $191 in Montgomery. Same 65% of after-repair value, very different loan amounts, so bring the comps that support your number.
| County | Days on market | Active listings | Under contract |
|---|---|---|---|
| Wilson (Mt. Juliet) | 50 | 946 | 53.3% |
| Rutherford (Murfreesboro) | 55 | 1,505 | 46.2% |
| Robertson (Springfield) | 56 | 408 | 51.2% |
| Maury (Columbia) | 57 | 798 | 45.6% |
| Sumner (Gallatin) | 57 | 1,233 | 41.9% |
| Dickson | 57 | 313 | 31.3% |
| Williamson (Franklin) | 59 | 1,700 | 49.2% |
| Montgomery (Clarksville) | 60 | 1,676 | 34.8% |
| Putnam (Cookeville) | 66 | 408 | 35.5% |
| Coffee (Tullahoma) | 66 | 283 | 30.4% |
| Davidson (Nashville) | 67 | 4,599 | 26.6% |
August 2026 listing data, Realtor.com via FRED. Full methodology and all 31 counties are in the market report.
Lending in Middle Tennessee, answered.
Do you lend outside Nashville?
Yes. We are based in Nashville and lend across Middle Tennessee and the rest of the state. Wilson, Rutherford, Williamson, Sumner, Maury, Montgomery, Robertson, Dickson, Putnam and Coffee counties are all regular territory for us, and we are not limited to that list.
Are the terms different in a smaller county?
No. Three points and 12% interest, up to 65% of the after-repair value, wherever the property sits. What changes by county is the exit: a house in Wilson County typically sells faster than one in Davidson, so we may talk through a longer hold on a slower market.
How fast can you close on a suburb deal?
Most deals fund in about nine days from the day you send us the property, and you will usually have a term sheet within a day. Our valuation is done in house, so there is no third-party appraiser to schedule in a rural county.
Do you lend on rural land and new builds outside the city?
Yes. We fund land that conventional lenders decline, ground-up construction with draws on a set schedule, and manufactured homes, which most lenders will not touch.
Your county, your deal.
Send us the property and we will tell you quickly what we would lend on it.