Private Lending · Georgia

Hard Money Lender in Georgia

Direct Fund USA is a direct hard money lender actively funding deals across Georgia. 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 Georgia

Georgia — anchored by the Atlanta metro — is a top destination for real estate investors seeking strong rental yields and appreciation. Atlanta's rapid growth, combined with affordable entry points in surrounding suburbs and secondary markets like Savannah, Augusta, and Columbus, makes Georgia ideal for both fix & flip and buy-and-hold strategies. Direct Fund USA has funded DSCR cash-out refinances and purchase loans across Georgia, helping investors scale their portfolios.

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 Georgia ranging from fix & flip renovations to DSCR rental acquisitions and ground-up new construction.

Recently Funded in Georgia

$360,000

DSCR Cash-Out Refinance — Georgia

Markets We Serve in Georgia

AtlantaSavannahAugustaColumbusMaconRoswellAlbanyMarietta+ 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 Georgia

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 Georgia Deal

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

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