Where We Lend · Alabama
Hard money loans across Alabama, Huntsville to Mobile.
Investors chasing bigger Sunbelt markets skip Alabama. That means less competition and lower prices for you. Huntsville, the Rocket City, anchors the state with jobs from NASA Marshall, Redstone Arsenal, and a growing tech sector.
Business-purpose loans to entities secured by non-owner-occupied Alabama real estate only. Terms subject to underwriting; rates and terms vary by deal and state. BK #0944451.
From Rocket City to the Gulf.
Huntsville
NASA Marshall, Redstone Arsenal, and a fast-growing tech sector keep this economy running. Rental demand stays steady here.
Madison & the Huntsville metro
Overflow from Huntsville spills into Madison, Decatur, and Athens. Newer housing keeps resale demand strong.
Birmingham
Alabama's largest metro carries the deepest value-add inventory in the state. Whole neighborhoods still trade well under replacement cost.
Montgomery
Some of the most affordable entry prices in the state, backed by steady government and military rental demand.
Mobile & the Gulf Coast
Port and coastal money keep Mobile and Daphne moving. Rental and short-term rehab opportunity runs along the water.
Tuscaloosa
University demand from Alabama keeps rental turnover high. Renovation-ready housing is always available.
Versara
Fix & Flip Loans
Up to 85% LTV* with rehab draws, priced for Alabama's lower entry costs. Rates from 10.99%.*
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Versara
Rental & Buy-and-Hold
Qualify on the asset and its cash flow, which fits Alabama's strong rent-to-price ratios well.
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Versara
Manufactured & Mobile
A real Alabama niche, including pre-1976 homes and single-wides most lenders decline.
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*Starting rate and maximum leverage are for qualified transactions and subject to underwriting. Actual rate, LTV, and LTC vary by deal, program, and state.
- Huntsville
- Madison
- Decatur
- Athens
- Birmingham
- Hoover
- Vestavia Hills
- Montgomery
- Prattville
- Mobile
- Daphne
- Fairhope
- Tuscaloosa
- Auburn
- Opelika
- Florence
Not on the list? We lend statewide across Alabama, so ask us about your market.
Local questions, local answers.
All FAQsDo you lend statewide in Alabama?
Yes. Huntsville is our flagship market, but we fund investment property across Alabama, from Birmingham and Montgomery to Mobile and Tuscaloosa.
Why should investors look at Alabama?
Lower entry prices and less competition than most Sunbelt states, plus strong rental cash flow. Huntsville has a stable, growing job base tied to NASA Marshall and Redstone Arsenal.
Do you lend on manufactured homes in Alabama?
Yes. Our manufactured home program funds manufactured and mobile homes, a real niche most lenders decline in Alabama.
Ready when you are
Fund your next Alabama deal fast.
Apply in three minutes for a same-day review. Get a written quote in 24 hours, even in a market most lenders have never heard of.
investor projects funded: $100M+ in closed loans.
24hrwritten quotes, statewide across Alabama.