Heart of Georgia Funding — Private & Hard Money Lending in Georgia

Why choose Heart of Georgia Funding?

Designed by investors, for investors. We keep the process simple so you can focus on the flip.

Fast approval

Same-day term sheets and quick closings.

Flexible terms

Interest-only options, 12–24 months.

Competitive rates

Transparent pricing with no junk fees.

Investor-friendly

Streamlined docs & asset-based underwriting.

Loan programs

Pick what fits your strategy. We tailor LTV, rates, and draws to the deal.

Fix & Flip

✅ Up to 90% of purchase / 100% of rehab
✅ Interest-only
✅ 12–18 mo. terms

Bridge Loans

✅ Short-term capital
✅ Close quickly while you refi or sell
✅ Flexible DSCR options

Transactional Funding

✅ Same-day approvals
✅ Minimal paperwork
✅ Ideal for wholesale A-B-C

Built by Georgia investors

We’re a Georgia private lender focused on helping local investors grow. Our asset-based approach looks at the merits of the deal, not just the borrower’s file.

✅ Local expertise across Central GA, Atlanta, Savannah, Augusta, and more
✅ Dedicated Team
✅ Real people. Real phone numbers. Real timelines.

Heart of Georgia Funding team working together

Get Pre-Approved in Minutes

Tell us about your deal. We’ll respond within 24 hours with terms.

Full Name *

Email *

Phone *

Loan Type *

Property Address

Purchase Price

Rehab Budget

After Repair Value (ARV)

Project Details / Timeline

📞 478-218-HOME (478-218-4663) • ✉️ applications@heartofgeorgiafunding.com

Find the right financial fit for your next deal.