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.

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Fast approval

Same-day term sheets and quick closings.

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Flexible terms

Interest-only options, 12–24 months.

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Competitive rates

Transparent pricing with no junk fees.

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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

Let’s talk about your project

Not sure which loan is best? Send a message or call and we’ll guide you.

📞 478-218-HOME (478-218-4663)

✉️ info@heartofgeorgiafunding.com

📍 Central GA

Find the right financial fit for your next deal.