Tennessee Hard Money Loans

Tennessee Hard Money Lender —
Direct Private Money, Statewide

We lend our own money on Tennessee investment properties — no capital partners, no committee, nobody above us who can kill your deal at the closing table. Rates from 9.99%, up to 90% of purchase and 70% of ARV, from $50,000. 300+ loans funded since 2021.

  • Close in 7–10 days — 24 hours documented on a rescue
  • The terms we quote are the terms you close at
  • Small towns welcome — no population caps
Call Chris or Flynt — (865) 999-8083 Get a Quote on Your Deal

★★★★★ 30 five-star Google reviews · 300+ loans and $53M+ funded since 2021 · 65% repeat borrowers

9.99%
rates from
90%
of purchase price
70%
of ARV
2–3
points, 9-month terms
$50K
minimum loan

Where we lend in Tennessee

Based in Knoxville, lending across the state — including the small towns and tertiary markets most lenders automatically decline. We evaluate market demand, not MSA population.

Knoxville & East Tennessee

Our home market. We pull our own comps, visit properties, and know the submarkets — because we invest here ourselves.

Knoxville hard money loans →

Chattanooga

Fix & flip, bridge, and rental-rehab lending across the Chattanooga metro.

Tri-Cities

Johnson City, Kingsport, and Bristol — one of the most underserved lending markets in the state.

Small towns & rural markets

Property in a town other lenders won't touch? That's one of the things we do that others don't. If there are buyers in that market, we'll talk.

Loans we make across Tennessee

Asset-based underwriting with no W-2s, no tax returns, and no full appraisals — third-party evaluation by photos and videos, plus our own opinion of the deal.

Fix & flip

Purchase + rehab up to 70% of ARV. Draws are video-only and funded the next day — no invoices, no inspectors.

Fix & flip loans →

Bridge loans

Short-term capital to close now and refinance or sell on your timeline. 7–10 day closings.

Bridge loans for investors →

New construction

Single-family construction financing in Tennessee, with deep East Tennessee market knowledge.

New construction loans →

Fix & hold / BRRRR

Purchase + rehab for buy-and-hold investors. When you're ready to refinance out, we can facilitate DSCR through our network.

Fix & hold / BRRRR loans →

Cash-out refinance

Pull equity out of an investment property fast — cross-collateralization available on deals that need more leverage.

Investment property cash-out →

Commercial & multifamily bridge

Multifamily up to roughly 30–40 units, plus retail and commercial investment property banks won't underwrite.

Commercial bridge loans →

Private money lending

A direct private money lender, not a broker. We fund from our own balance sheet, with no committee and no one above us to pull your funding.

Private money lending →

First-time flippers

There's no minimum number of completed flips. We underwrite the property and your plan for it, and Chris and Flynt read every file themselves.

First-time flipper loans →

Rescue closes

Lender fell through near closing? We've closed in 24 hours. Our own money means no one above us can pull your funding.

Rescue close financing →

Tennessee investors on working with us

Every review below is a real, public Google review from a funded borrower.

★★★★★

"They are reputable, professional, and easy to work with. They really saved me on a deal that another lender dropped the ball on."

— Kevin Dyke, repeat borrower
★★★★★

"Approach is a top notch hard money lender who was able to make my deal work when my other lender couldn't."

— Matt Luffman
★★★★★

"They lend their own money so they can be quick and nimble when funding your project."

— Peter Amrein

Tennessee lending questions

Yes — we lend across Tennessee, with our deepest experience in Knoxville, Chattanooga, and the Tri-Cities. We also fund deals in small towns and rural markets most lenders decline; we evaluate actual market demand instead of applying a population cap.
A standard closing takes seven to ten days. Our fastest documented close is 24 hours — a rescue deal where the borrower's paperwork, title, and insurance were already in order.
Rates run 9.99%–12.99% depending on credit, location, experience, and income, with 2–3 points and 9-month terms. Up to 90% of purchase price and 70% of ARV, from $50,000. The rate and fees on your commitment letter are the rate and fees at closing.
No. We don't care if it's your first deal — if the deal makes sense and you have skin in the game, call us and we'll walk you through it. Experience affects leverage, not whether we'll work with you.
We don't fund raw land, mobile home parks, RV parks, or owner-occupied primary residences, and we're not a fit for true no-money-down deals unless you have equity in another property we can cross-collateralize. We fund residential investment property, multifamily up to 30–40 units, and commercial.
Send us a video walkthrough and the draw funds the next day. No invoices, no lien releases, no waiting three to five days for a third-party inspector.

Have a Tennessee deal under contract?

Talk directly to the decision makers. Call, and you'll know where you stand in one conversation.

Call Chris or Flynt — (865) 999-8083 Get a Quote on Your Deal