Hard Money Lender Georgia
Georgia
Georgia ranks 4th in total land area east of the Mississippi River and is the youngest of the 13 original English colonies. It is a state in the southeastern region of the USA. Georgia is the 24th largest state by area and the 8th most populous. Atlanta is the capital and largest city of Georgia. Atlanta is the 9th most populous city in the USA.
Quick Stats:
- Population: 37.1 lakh people
- Median Household Income: $58,700
- Population Density: 57 people/square mile
- Median Home Sale Price: $269,441
- Median Price to Rent: $1,790
- On average, home value has gone up about 22.4% over the past year.
Lending in Georgia
Onyx Capital Lending is actively lending in Georgia on business-purpose investment properties. We offer hard money loans for fix and flips, DSCR rental loans, and bridge loans with a streamlined process designed to close in as little as 14 days. Georgia investors often look for speed and certainty in markets like Metro Atlanta, where value-add opportunities and neighborhood-by-neighborhood pricing can move quickly.
Sample Deal
Project: Fix and flip in Atlanta, GA. Loan amount: $650,000. Close time: 10-14 days. LTV: 70% (as-is). Docs: No tax returns or income verification required. This was a business-purpose loan secured by the property, structured for an investor who needed speed to win the contract and start renovations quickly.
Georgia FAQs
How fast can a hard money loan close in Georgia?
Most business-purpose hard money loans can close quickly once title, insurance, and valuation are in motion. On straightforward Georgia deals, investors often see 10-14 day closes depending on appraisal timing and entity docs.
Do DSCR loans in Georgia require tax returns?
DSCR loans are typically underwritten primarily on the property’s cash flow and the lease or market rents, not personal income. That’s why many Georgia investors prefer DSCR financing when they want a simpler documentation path for rental acquisitions or refinances.
What types of properties can be financed with bridge loans in Georgia?
Bridge loans are commonly used for value-add and transitional assets, including single-family rentals, small multifamily, and mixed-use properties. In Georgia, they’re often used when a property needs light rehab, has tenant turnover, or needs to stabilize before long-term financing.
All our finance programs sustain the following investment options; for a complete list, please visit our loan programs page:
Money Lender
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Onyx Capital Lending is a private real estate lender. All loans are for business-purpose investment properties only. Onyx Capital Lending does not offer consumer mortgage loans or loans for owner-occupied residential properties. Loan approval is subject to underwriting review, property valuation, and applicable state regulations. Rates, terms, and availability are subject to change without notice. Lending is available in 48 states. Not available in all states.