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, September 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
68 days - 4,621 listings, the most in the state
Nashville hard money loans →Williamson County
Franklin, Brentwood, Nolensville, Thompson's Station, Fairview
63 days - $358 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
54 days - still one of the fastest exits in the state
Sumner County
Gallatin, Hendersonville, Portland, White House, Westmoreland
60 days - permits up 55% since 2022
Montgomery County
Clarksville, Fort Campbell area, Woodlawn
67 days - $349,999 median list price
Clarksville hard money loans →Maury County
Columbia, Spring Hill, Mount Pleasant
58 days - asking prices up 7.5% year over year
Robertson County
Springfield, Greenbrier, Coopertown, Cross Plains
51 days - the fastest exit in Tennessee this month
Dickson County
Dickson, Burns, White Bluff, Charlotte
57 days - inventory up 26% year over year
Putnam County
Cookeville, Algood, Baxter, Monterey
65 days - $203 per sq ft
Coffee County
Tullahoma, Manchester
64 days - one of the few counties improving on speed and demand together
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 still the deepest market and among the slowest to absorb. Davidson County holds 4,621 active listings, more than any county in Tennessee, but only 25.5% of them are under contract. That is weak, but no longer uniquely so — Jefferson and Cumberland counties have both slipped below Davidson this month. Building permits there fell from 15,163 in 2022 to 5,632 in 2025.
Robertson just took the speed crown. Robertson County turns over in 51 days, the fastest in Tennessee this month, though its own pending ratio fell sharply year over year, so treat the speed with some caution. Wilson runs 54 days and Rutherford 55 days with 40% 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 $358 a foot against $190 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 |
|---|---|---|---|
| Robertson (Springfield) | 51 | 400 | 42.5% |
| Wilson (Mt. Juliet) | 54 | 942 | 52.3% |
| Rutherford (Murfreesboro) | 55 | 1,549 | 40.3% |
| Dickson | 57 | 317 | 30.0% |
| Maury (Columbia) | 58 | 760 | 45.4% |
| Sumner (Gallatin) | 60 | 1,195 | 43.5% |
| Williamson (Franklin) | 63 | 1,677 | 49.4% |
| Coffee (Tullahoma) | 64 | 294 | 34.0% |
| Putnam (Cookeville) | 65 | 420 | 32.4% |
| Montgomery (Clarksville) | 67 | 1,673 | 33.5% |
| Davidson (Nashville) | 68 | 4,621 | 25.5% |
September 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.