Where We Lend · Georgia
Hard money loans in Atlanta, quoted in 24 hours.
Georgia has one of the fastest foreclosure timelines in the country, and Atlanta is the Southeast's investment capital. We lend only to business entities in Georgia, and we get your paperwork ready before closing.
Business-purpose loans made only to business entities (LLC, corporation, or LP), secured by non-owner-occupied Georgia real estate. No loans to individuals. Terms subject to underwriting; rates and terms vary by deal and state. BK #0944451.
Intown to the exurban ring.
Atlanta
Intown neighborhoods move the most flips in the state. Renovation-ready homes sit at almost every price point near the core.
North metro
Marietta, Roswell, Alpharetta, and Sandy Springs pull in corporate relocation and hold value well. Investors flip and hold rentals here.
South & East metro
Best value-add spreads in the metro. Decatur, East Point, College Park, and Stone Mountain sit near the airport and steady job centers.
Gwinnett corridor
Lawrenceville, Duluth, and Norcross keep adding people and turning over older housing. Steady ground for repeat investors.
The exurban ring
Douglasville, McDonough, and Conyers catch the overflow from the core metro. Entry prices run lower, with real room for renovation upside.
Savannah & beyond
Outside the Atlanta metro, we still lend statewide by exception. Send the address and we'll tell you fast whether it fits.
Local questions, local answers.
All FAQsWhy do I have to close in an entity in Georgia?
Georgia law treats a loan to an individual on a 1-4 family home as licensed mortgage activity, no matter why you're borrowing. Closing through an entity keeps the loan business-purpose, which is how hard money already works everywhere else. Setting up an LLC takes a few days, and we'll tell you exactly what's needed before closing.
Do you lend outside Atlanta in Georgia?
Our core coverage is the Atlanta metro. We'll consider deals elsewhere in Georgia by exception, so reach out with the address and we'll tell you straight away if it's a fit.
How fast can you fund a deal in Atlanta?
Written quotes go out inside 24 hours of a complete application. Funding can happen in as little as 24 hours on qualified deals once your entity paperwork is in order.
Versara
Fix & Flip Loans
Up to 85% LTV* with rehab draws, built for Atlanta's flip pace. Rates from 10.99%.*
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Versara
Commercial
$500K–$5M for multifamily, mixed-use, and small-balance commercial in metro Atlanta.
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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.
Georgia entity requirement
Business-purpose lending- Who closes
- A business entity (LLC, corporation, or LP), never an individual
- Why Georgia is different
- Georgia treats a loan to an individual on a 1-4 family home as licensed mortgage activity, no matter what the loan is for
- Is this unusual for hard money
- No. Entities are standard for business-purpose lending everywhere. Georgia just makes it mandatory
- Don't have an entity yet
- Setting one up is fast. We'll tell you exactly what's needed before your closing date
- Atlanta
- Marietta
- Roswell
- Alpharetta
- Sandy Springs
- Smyrna
- Decatur
- East Point
- College Park
- Stone Mountain
- Lawrenceville
- Duluth
- Norcross
- Douglasville
- McDonough
- Conyers
- Savannah
- Augusta
- Macon
- Columbus
Don't see your city on this list? We still lend statewide by exception, so reach out and ask about your market.
Ready when you are
Get your next Atlanta deal funded fast.
Apply in three minutes. Get a written quote in 24 hours, entity paperwork included.
investor projects funded, $100M+ in closed loans.
24hrwritten quotes on Georgia deals, entity paperwork guided start to finish.