Hard Money Loans in Dekalb County, Georgia
In Dekalb County, real-estate investors move fast — and Atlanta Fix and Flip Loans moves even faster.
We specialize in private, asset-based hard-money loans that empower investors, flippers, and developers to purchase, renovate, or refinance properties without the red tape of banks.
Why Real-Estate Investors Choose Our Dekalb County Hard-Money Loans
Private lending — we act fast without bank delays
Georgia-wide presence — experienced with Bartow County permitting, zoning and contractor networks
Investor-centric underwriting — we look at the deal, not just your W-2
Transparent terms — no hidden fees, clear process
Flexible property types — single build, multi-tenant, mixed-use developments
How to Qualify
- Real-estate investor or developer with prior commercial projects preferred
- Ability to estimate construction budget, schedule and exit strategy
Project Plan & Property Details
- Location in Deklab County, Georgia
- Zoning approved or in process, scope of work defined
- Project budget, timeline, exit plan
Property Types Eligible
- Retail buildings, strip centers, service-oriented commercial properties
- Office buildings or professional complexes
- Light industrial or warehouse facilities
- Mixed-use conversions (commercial + residential)
- Ground-up construction on commercial-zoned lots
Program Overview
Our Hard Money Loan Program gives investors immediate leverage on high-potential properties. It’s designed for fix-and-flip, BRRRR, rehab, and bridge loan strategies where timing and liquidity make all the difference.
We finance up to 85 % LTC (Loan-to-Cost) and as high as 75 % ARV (After-Repair Value), including purchase + rehab costs under one loan.
Projects can range from $100 K small flips to $5 MM + multi-asset portfolios.
Our 4-Step Process to Funding Your Hard money Loan
Deal Submission
You send property address, budget & exit strategy; we review within 24-48 hours.
Term Sheet Issued
We’ll outline loan amount, rate, draw schedule, exit plan.
Underwriting & Closing
We examine title, insurance, budget, permitting status; closing typically in 1–3 weeks.
Construction & Draws
Funds released by phase; we monitor progress, you proceed with construction; exit triggers payoff.
Benefits vs Traditional Banks
Fast decision & funding (days to weeks)
Ideal for distressed or non-traditional properties
Rehab / construction draws available
Flexible underwriting focused on deal merits
Less emphasis on personal income & credit score
Our Experience in Georgia & Dekalb County
Atlanta Fix & Flip Loans has funded over 1,000 real-estate investment projects across Georgia from Atlanta to Savannah, Macon to Athens giving us deep knowledge of permit timelines, contractor networks and exit strategies in this market (Authority & Experience). In Dekalb County, we know the local zoning board, infrastructure demands, common renovation challenges and investor-heavy ZIP codes. Whether you’re in Cartersville, Adairsville or elsewhere in Dekalb County, we bring local insight and boots-on-the-ground support.
No — we do not require income documentation.
Most deals close within 7–10 business days.
Yes — we regularly fund auction, REO, and foreclosure acquisitions.
Ready to Fund Your Commercial Construction Project in Dekalb County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows dekalb County and investor markets inside out.