Private Lending · Alabama

Hard Money Lender in Alabama

Direct Fund USA is a direct hard money lender actively funding deals across Alabama. Fix & flip, ground-up construction, bridge loans, DSCR, and foreclosure bailouts — close in as little as 7–10 days with no income verification.

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Hard Money Loans in Alabama

Alabama offers some of the most affordable real estate in the Southeast, with strong rental demand in Birmingham, Huntsville, and Mobile. The state's growing economy — driven by automotive manufacturing, aerospace, and a booming tech sector in Huntsville — is attracting new residents and creating demand for quality rental housing. Direct Fund USA has funded ground-up construction loans in Alabama, supporting builders and developers bringing new inventory to underserved markets.

As a direct lender — not a broker — Direct Fund USA makes lending decisions in-house. That means faster closings, fewer fees, and a single point of contact from application to funding. We have funded deals in Alabama ranging from fix & flip renovations to DSCR rental acquisitions and ground-up new construction.

Recently Funded in Alabama

$300,000

Ground-Up Construction — Alabama

Markets We Serve in Alabama

BirminghamHuntsvilleMobileMontgomeryTuscaloosaHooverDothanAuburn+ statewide

Lending Criteria

Loan amounts: $50K–$3M (hard money) · $75K–$3M (DSCR)
No minimum credit score on most hard money programs (660 for DSCR)
No income verification — asset-based lending
Foreign nationals welcome
Only upfront fee is the appraisal ($650–$950)
Close in 7–10 days (hard money) or 2–3 weeks (DSCR)

Loan Programs Available in Alabama

Fix & Flip

Up to 90% LTC · 12–18 month terms · Rates from 9.5% IO

Ground-Up Construction

Up to 75% LTC · Draw schedule · SFR & small multifamily

Bridge Loans

Up to 75% LTV · 6–24 month terms · Fast closings

DSCR Purchase & Refi

$75K–$3M · 30-yr fixed · No income verification

Bank Statement Loans

Up to $3.5M · 90% LTV · Self-employed friendly

Foreclosure Bailout

Emergency closings · All property conditions

See full program details

Fund Your Next Alabama Deal

Submit your loan request and get a same-day response. We lend throughout Alabamaand close in as little as 7–10 days.

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