© WHERE WE LEND SAN DIEGO HQ · GEORGIA
HARD MONEY LENDER GEORGIA
Loan Goat funds real estate investors in Atlanta, Savannah and Augusta, with capital that clears before the deal cools.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Loan Goat lends across Georgia, from Fulton County and the Atlanta metro out to Savannah, Augusta, Columbus and Athens. Our borrower is the investor who buys with intent: the flipper working intown bungalows, the operator adding doors in a suburban county, the builder filling an infill lot. Business-purpose, non-owner-occupied deals are the core. Bring the property and the exit, and we will talk numbers the same day.
Georgia is really a pair of investor markets stacked together. Metro Atlanta is a national flip and build-to-rent arena, with ranch and split-level stock in the outer counties and craftsman bungalows inside the perimeter. Outside it, Savannah trades on tourism and port jobs, Augusta on medical and military demand, Columbus on Fort Benning, and Athens on the University of Georgia. Different stock, different exits, different loan.
We lend in Georgia and we run everything out of San Diego. There is no Atlanta branch, and you do not need one. Loan Goat is a direct lender using its own capital, so one decision maker reviews your Chatham County rehab or your Clarke County rental and answers it. Files close in 5 to 7 days. Distance has never slowed down a wire transfer.
Investors buy brick ranches and split-levels across Fulton and the counties ringing Atlanta, craftsman and shotgun houses in older intown neighborhoods, and antebellum and Victorian stock in Savannah's historic district. Augusta draws medical and Masters week demand. Columbus sits on the Chattahoochee with mill-era buildings ripe for conversion. Athens is student housing near campus, where a duplex behind downtown rents every August without any marketing at all.
© GEORGIA LOCATIONS SAN DIEGO HQ · GEORGIA
EXPLORE OUR GEORGIA LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Atlanta Fulton County, out to Athens, Columbus, Augusta.
- Columbus Muscogee County, out to Atlanta, Montgomery, Athens.
- Augusta Richmond County, out to Athens, Columbia, Savannah.
- Savannah Chatham County, out to Augusta, Charleston, North Charleston.
- Athens Clarke County, out to Atlanta, Augusta, Columbus.
© THE COST SAN DIEGO HQ · GEORGIA
WHAT DO GEORGIA HARD MONEY LOANS COST
A Georgia quote is built from the deal, not from the state. Bridge from 9.00% and up to 75% LTV on residential, 70% on commercial, one or two year terms and closings in 3 to 14 days. Every one of those is published, not negotiated in the dark.
Terms are written before an appraisal is ordered, which lets a Georgia investor underwrite the lender before spending money on third-party reports. Nothing is re-traded at the table.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
© WHY LOAN GOAT SAN DIEGO HQ · GEORGIA
WHY LOAN GOAT IN GEORGIA
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A bank underwrites you. It wants years of tax returns, a tidy credit file and a property that already appraises as finished. Georgia investors rarely bring that package to the table. Loan Goat underwrites the asset instead, with minimal documentation and no loan committee. Fix and flip money covers the purchase and the rehab on a tired College Park ranch, and bridge starts at 9.00% with up to 75% LTV.
Nine programs cover the rest of a Georgia strategy. Construction financing for ground-up work in the growth counties, DSCR rental loans that qualify on rent rather than your paycheck, commercial for a Broad Street storefront in Augusta, blanket loans to wrap a scattered-site portfolio into one facility, and second and third mortgages when the equity is already sitting in Savannah. No prepayment penalties on any of it.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
GEORGIA, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Georgia files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN GEORGIA
The full program stack is available on Georgia property: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages, and blanket loans over multiple assets. The plan for the property decides which one applies.
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© THE APPROACH SAN DIEGO HQ · GEORGIA
HOW WE LEND IN GEORGIA
Nine programs cover the rest of a Georgia strategy. Construction financing for ground-up work in the growth counties, DSCR rental loans that qualify on rent rather than your paycheck, commercial for a Broad Street storefront in Augusta, blanket loans to wrap a scattered-site portfolio into one facility, and second and third mortgages when the equity is already sitting in Savannah. No prepayment penalties on any of it.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
GEORGIA BORROWERS, IN THEIR WORDS
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This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA
© QUESTIONS SAN DIEGO HQ · GEORGIA
GEORGIA HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes, Loan Goat funds investor loans throughout Georgia, including Atlanta, Savannah, Augusta, Columbus and Athens, plus the surrounding counties. We are a direct private lender, not a broker, and we have funded $1.5B+ across 46 states since 2022. If the property is non-owner-occupied and the purpose is business, the deal fits our box. Call and you speak to the person who approves it.
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Most files close in 5 to 7 days, and a clean bridge file can move in as fast as 3 days. What slows a deal down is usually title, not us. Send the address, your purchase price and the rehab budget, and you get real terms back quickly. Fulton and the metro counties move fast, and your financing should not be the bottleneck.
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Yes, older Chatham County housing stock with plaster, heart pine and deferred maintenance is exactly what bridge and fix and flip financing exists for. We underwrite the property and the plan, so condition does not disqualify a deal the way it does at a bank. Budget the work honestly, tell us the exit, and the rehab draw structure follows your scope.
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Yes, Athens and Clarke County student housing works well on rental property loans underwritten to the lease, and on bridge when you are buying a tired duplex to reposition before the fall term. We do not need your personal income story. We need the property, the rent roll or projected rent, and a clear plan for the hold or the sale.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works
© WHERE WE LEND SAN DIEGO HQ · GEORGIA
GEORGIA, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SAN DIEGO HQ · GEORGIA
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