Private Money & Bridge Lending in Tennessee
Fast, asset-based capital when timing matters — acquire, bridge, or reposition without waiting on a bank.
Or call us direct — (615) 989-0020
Some deals cannot wait for conventional financing.
A time-sensitive purchase, a property that needs repositioning before it qualifies for a bank loan, a bridge between buying and your long-term financing — these are exactly the situations private money is built for.
As a direct private lender we make our own decisions. That means speed, certainty, and a straight answer, not a loan committee.
When private money makes sense
Time-sensitive acquisitions
When you need to close fast to win a deal, we fund on your timeline instead of a bank's.
Bridge financing
Bridge the gap between buying a property and securing long-term financing or completing a sale.
Repositioning
Capital to stabilize or reposition a property until it qualifies for conventional financing or is ready to sell.
A repeat borrower? Ask about the Scale Program — earned benefits for investors who keep building with us.
Answered.
What's the difference between private money and hard money?
In practice they describe the same thing: short-term, asset-based real estate financing from a non-bank lender. "Private money" is the more common modern term. Either way, we underwrite the property and your plan rather than your tax returns.
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.