HARD MONEY LENDER TENNESSEE

Loan Goat funds investors across Tennessee, including Memphis, Nashville, Knoxville, Chattanooga, Clarksville and Murfreesboro. We are a direct private lender headquartered in San Diego, lending our own capital with a single decision maker on the file. All of it is business purpose and non-owner-occupied. Bridge, fix and flip, construction, rental property, commercial and blanket loans are available anywhere in the state.

Shelby County portfolios are a regular request here. Blanket loans let you finance multiple doors under a single note instead of closing a stack of separate files. The rental property program handles individual assets on DSCR, qualifying on rents rather than your personal income. If the package includes vacant or rough units, bridge or fix and flip can stabilize them before you refinance the whole thing.

Business purpose short-term rentals in Davidson County are financeable. We underwrite the property and its income, not your returns, so a furnished East Nashville hold reads as an investment asset. Bridge covers purchase and rehab, then the rental property program handles the long-term position. Murfreesboro and Chattanooga follow the same path. Tell us the plan early so we pick the right program.

Our construction program funds ground-up builds in Rutherford and Montgomery counties, releasing draws against completed work. Bridge often sits in front of it so you can take a lot down before a builder outbids you, then convert once plans are set. Sell at completion with no prepayment penalty, or keep it and move into the rental property program on DSCR.

Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.

Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.

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.

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.