Hard Money Loans in Gwinnett County, Georgia
Fast Hard Money Loans for Real Estate Investors in Gwinnett County, Georgia
Close in 5–10 days • Fix & Flip • BRRRR • Bridge Financing • Construction
Why Georgia Investors Choose Us
– Same‑day term sheets
– Funding up to 90% of purchase + 100% rehab
– No income documentation required
– Lower cash‑to‑close vs. banks
– We lend on distressed properties – banks won’t
PROGRAM SPECIFICATIONS
Loan Amount: $100,000 – $5,000,000
Max LTV: Up to 90% acquisition / 75% ARV
Rehab Financing: 100% of construction budget
Credit Requirements: Flexible, investor‑friendly
Property Types: SFR, multifamily, townhomes, mixed‑use
Close Time: 5–10 business days
Eligibility Test
Hard money loans are designed for speed and flexibility. Qualification is based on the property, the numbers, and the exit plan — not tax returns.
Minimum Eligibility Requirements
✔ Property must be an investment property (no owner-occupied loans)
✔ Minimum credit score: 620+ (flexible for strong equity deals)
✔ Skin-in-the-game or cross-collateral allowed
✔ Clear exit strategy: Flip resale or DSCR refinance
How to Qualify
You qualify if you can provide:
1️⃣ Purchase Contract or Payoff Statement
2️⃣ Scope of Work + Rehab Budget
3️⃣ After Repair Value (ARV) estimate
4️⃣ Borrower info (ID + LLC docs)
5️⃣ Insurance Binder (Builder’s Risk or Landlord)
6️⃣ Exit Plan (Sell or Refi)
No tax returns, no W-2s, and no personal income documentation required.
Key Highlights Of Our Program
Loan amounts typically $500K to multi-million
Terms from 12 to 36 months with interest-only options
Strong focus on investor exit strategy (sale or refinance)
Fund acquisition, construction budget, carry costs
Our 4-Step Process to Funding Your Loans
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 & Bartow 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 Bartow County, we know the local zoning board, infrastructure demands, common renovation challenges and investor-heavy ZIP codes.
No. We are asset-based.
5–10 business days on average.
Yes, subject to appraisal and experience.
Ready to Fund Your Project in Gwinnett County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Gwinnett County and investor markets inside out.