Atlanta Hard Money Lender2024-02-20T14:23:32-05:00

Atlanta Hard Money Lender

Your Direct Hard Money Lender based locally in Atlanta GA

Atlanta Hard Money Lender offering funding in as little as 10 days, No FICO Minimum, Super Easy Closings.

Our hard money and private loan programs are designed for real estate investors that need quick, easy and flexible financing solutions for their investment deals.

No Obligation. Responses as fast as 24hrs!

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Paces Funding is your LOCAL Atlanta Hard Money Lender

Paces Funding is located in Atlanta, Georgia on Piedmont Road in Fulton County. Your community is also ours which makes us neighbors and we care about what happens in our community. We like to think we are a small part of a big town working to contribute to its success so that it continues to thrive and grow. That is why we put so much effort and care into our deals. We treat every person and business we help with the utmost respect and care, just like we’d want for our own families. You can count on us to work hard and help you succeed.

As a true DIRECT hard money lender, we use our own money to fund your loan giving us more flexibility to customize the loan around your needs. We know our business and we have the expertise, commitment and success to help you with your project. Whatever your need, Paces Funding is the Atlanta Hard Money Lender that can help you accomplish your goals.

Hard Money Loan Terms

Renovate, rehab and resell your property with a hard money loan.

  • LOW Credit Minimums

  • NO Prepayment Penalty
  • Loans to Company or LLC
  • 11% – 14% Interest Rates

  • Loan fee of 2-4 Points
  • Minimum credit score 550

  • $0 Doc Fee
  • Loans from $75,000 to $5,000,000
  • 12 month loans interest only payments

  • Up to 70% Loan to Value
  • Lenders Title Policy Required
  • Residential, Commercial, Condo and more

Atlanta Hard Money Lender Terms

Renovate, rehab and resell your Atlanta property with a hard money loan.

  • LOW Credit Minimums
  • NO Prepayment Penalty
  • Loans to Company or LLC
  • 11% – 14% Interest Rates
  • Loan fee of 2-4 Points
  • Minimum credit score 550
  • $0 Doc Fee
  • Loans from $75,000 to $5,000,000
  • 12 month loans interest only payments
  • Up to 70% Loan to Value
  • Lenders Title Policy Required
  • Residential, Commercial, Condo and more

Why work with Atlanta Hard Money Lender Paces Funding?

Our hard money loan programs cater to real estate transactions that require fast, convenient, and adaptable financial solutions for their investment ventures. As the best hard money lender in Atlanta using our own funds, we pride ourselves on making fast decisions customized for your specific project & need. We are focused on building a relationship with you, not just making a deal and we believe our commitment to your success shows in every deal we make.

Our Atlanta hard money loans can be used for commercial projects, new construction, cash-out equity, residential fix-and-flip projects, property rehabilitation, and real estate investment properties. Throughout the entire process, from land acquisition to formulating construction budgets and overseeing each project milestone, we’re dedicated to guiding you towards success.

Faster Turnaround

Competitive Rates

Asset Based Lender

Less Paperwork

Apply for a Hard Money Loan in a Few Easy Steps


Application & Review

Get started by filling out our easy online loan application. Once we receive and review your completed application, one of our experienced loan officers will call you to discuss any additional information we may need. After the Application review, the next step is for you to submit your purchase contract and renovation list. During this step we will also provide you with a Good Faith Estimate to review and approve.


Loan Processing & Underwriting

Once the Good Faith Estimate has been approved, we will then order an appraisal and title. Our construction manager will visit the property with the borrower to go over the bid sheet and construction that will be performed on the property.


Closing & Funding

At this time we will set up the closing with our preferred attorney and send over the closing instructions & documents along with the wire to fund the transaction. The borrower is required to provide the necessary property insurance prior to closing. That’s it! We make the process simple and fast and you can get funded in as little as 10 days from start to finish!

Don’t take our word for it!

See what other people are saying about working with Atlanta Hard Money Lender Paces Funding!

So far I have completed 5 deals with Paces. They have been a great asset to my real estate investing journey. There were no hiccups with my funding or any closings

M Benton, Google Review

Project took me way longer than expected and they were able to see me through my entire process. I have experienced dealing with another hard money lender and they were real sharks. Thank you Paces Funding for putting me in position to never HAVING to use hard money ever again!

R.O.I Empire, Google Review

My company utilized Paces funding for 3 separate transactions. Within a two week period. Their team was prompt, attentive and professional. All transactions closed without a hitch. We definitely recommend Paces Funding!

J R, Google Review

I’ve had a ton of lenders tell me they can perform… then back out 2 days before closing. However, that wasn’t the case here. Lance said he could make it work, and he did. We aren’t willing to work with a lot of hard money lenders, but Paces Funding is a team I’d work with again any day.

Matthew D, Google Review

We’ve executed 5 different loans with Paces since 2021. They have been a pleasure to work with. Lance in particular is on my speed dial and communicates thoughtfully and proactively to my team and me. We pride ourselves on doing good business throughout the changing market economics and we’ve appreciated Pace’s consistency in working with us.

Property Bros. & Sisters, Google Review


Get a quick response and funding when you apply online!


Get a quick response and funding when you apply online!

We Service ResidentialNew ConstructionCommercialHome RemodelCash-out EquityReal Estate InvestorFix-and-Flip Hard Money Loans

We are here to help!

For more information or to get started, get in touch with one of our helpful and knowledgeable private lending experts today.

Atlanta Hard Money Loan FAQ’s

Understanding what a hard money lender is and how a hard money loan is different from a traditional loan can be confusing. That is why we have put together this list of frequently asked questions to give you answers to the most common questions we get. If you have a question about hard money loans that you don’t see here then feel free to give us a call directly at 404-814-1644. We are happy to answer all of your questions so that you feel confident in every way before moving forward with a hard money loan.

How quick can you fund?2013-10-17T19:10:43-04:00

We have funded properties as quickly as 1 day. If there are no unusual circumstances (i.e. title issues, all required documents in hand), then the closing can proceed as soon as the appraisal has been completed and title is cleared. Usually this can be accomplished within 1 week to 10 days. You do your best and we will respond in kind.

Where do you loan?2021-09-28T11:49:19-04:00

We currently lend throughout the Southeast.  Other markets will be added soon. If you have a project in another market, contact us and we’ll discuss if we can lend on it.

Do you make permanent loans?2013-10-17T19:10:11-04:00

No, our loans are usually for a 12 month term or less, but we have arranged financing for more than 12 months in certain situations, particularly commercial projects. We do have permanent lending partners that will be able to assist with your long term needs on single family properties.

Why are your rates so much higher than banks?2013-10-17T19:09:54-04:00

We are a private lender with private money. We take risks that banks ordinarily would not and therefore charge a higher rate for the use of our funds. You will find that although the funds may cost more, it is less expensive than having a venture partner to finance your project.

Do you make personal loans?2013-10-17T19:09:36-04:00

No. We only make loans for commercial, business and investment purposes.

Will you finance commercial properties or apartments?2013-10-17T19:09:19-04:00

We will look at multifamily projects from 2 units to 200 and more. Bring us office buildings, retail, industrial, lots to be developed, and new construction.

Does my credit matter?2013-10-17T19:09:03-04:00

Yes, your credit is important to us, but there is no credit score requirement and it is not the most important factor in financing your project. Your ability to repay a loan as required, your investment in the property, the cost of the property and the value after repairs are also considerations in our decision to lend.

I’ve been turned down at banks, is it possible for me to get a loan from Paces Funding?2013-10-17T19:08:46-04:00

It is certainly possible. We are a private lender, and as such, are not tied to the myriad of regulations that banks must follow. We underwrite and make our own loans based upon our decisions and understanding of the marketplace and your particular property. Usually if the property is worth it, we will give your loan request serious consideration.

What do LTV and ARV mean?2013-10-17T19:08:29-04:00

These are acronyms for loan to value (LTV) – the value of the property in relation to the loan on the property and after-repaired-value (ARV) – the value of the property after all improvements or construction has been completed.

What is a “hard money” loan?2013-10-17T19:07:46-04:00

It has been incorrectly described as “hard” to find or “hard” to pay, but typically it is a secured real estate loan for investment purposes.  The property is often enhanced via renovations that improve the value.  The property is then sold or refinanced.  The property provides the security in the event  of default by the borrower.  We are most interested in creating long term relationships helping good borrowers successfully invest in real estate.

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