Hard money loans for real estate investors. 24–48hr approvals, 2–3 week closes, and a dedicated loan specialist on every deal — available in 43 states.
The Real Problem
They lose deals because their capital isn't ready. Banks move in weeks. Brokers add fees. Generic lenders don't understand real estate.
Traditional lenders require W-2s, tax returns, and 30–60 days. By the time they approve, your deal is gone and someone else is in contract.
Every broker in the chain takes a cut, inflating your cost of capital and adding complexity to an already time-sensitive process.
Most lenders don't understand ARV, construction draws, or DSCR. You end up educating them instead of closing deals.
The SGC Difference
| Factor | Traditional Banks | Other Hard Money |
Best Choice
Southern Ground Capital
|
|---|---|---|---|
| Approval Time | 30–60 days | 7–14 days | 24–48 hours ✓ |
| Close Time | 45–90 days | 10–21 days | 2–3 weeks ✓ |
| Upfront Fees | Yes (appraisal, app) | Often yes | None ✓ |
| Credit Pull to Quote | Required | Usually required | Not required ✓ |
| Income Verification | W-2 & tax returns | Varies | Asset-based / DSCR ✓ |
| Broker Middlemen | Sometimes | Common | Direct capital access — none ✓ |
| Construction Draws | Rare / difficult | Available | On-schedule draws ✓ |
| Dedicated Specialist | No | Sometimes | Every deal, always ✓ |
Simple Process
Share your deal details — property address, purchase price, estimated ARV, and scope of work. No credit pull, no upfront fees. Takes under 5 minutes.
Your dedicated loan specialist reviews the deal and issues a term sheet within 24–48 hours. We evaluate the market, the deal, and the borrower — not just your credit score.
Once approved, we move. Fix & flip, bridge, and construction loans typically close in 2–3 weeks. DSCR rental loans in 4–5 weeks. Organized, responsive borrowers close faster. Your specialist stays with you through closing and throughout the loan term.
6 Programs · 43 States
Whether you're flipping, building, or scaling a rental portfolio — we have a program built around how real estate investors actually operate.
Up to 100% LTC with full rehab financing. $50K–$3.5M. Portfolio eligible. FICOs from 500 — including foreclosure bailouts and mid-construction scenarios.
Qualify based on rental income. No W-2s or tax returns — perfect for scaling a rental portfolio.
Short-term capital to seize opportunities quickly. Ideal when you need to move before permanent financing is in place.
Ground-up financing with structured draws. We understand timelines — draws fund on schedule, not when it's convenient for us.
Flexible financing for 2–20 unit properties. We evaluate the asset, not just the borrower.
Unlock equity from existing holdings to fund your next acquisition. Keep momentum without liquidating performing assets.
Fix & Flip from 8.25%* · Bridge from 8.25% · DSCR from 5.39%. Points: 1–3% of loan amount. No prepayment penalties on most programs. No upfront fees of any kind. *Rates vary by LTV, credit, and deal profile.
Real Results
This is how Southern Ground Capital funded a recent fix and flip — from deal submission to closing.
"Southern Ground Capital funded my fix and flip in 6 days. I had another lender fall through at the last minute, and SGC stepped in and saved the deal. Their team was responsive, professional, and delivered exactly what they promised. I've done 4 deals with them since."— Marcus T., Atlanta, GA · Fix & Flip Investor
Real Investors. Real Results.
"Southern Ground Capital funded my fix and flip in 6 days. I had another lender fall through at the last minute, and SGC stepped in and saved the deal. Their team was responsive, professional, and delivered exactly what they promised. I've done 4 deals with them since."
"As a rental portfolio investor, the DSCR loan program was exactly what I needed. No W-2s, no tax returns — just the property's cash flow. SGC made it simple and closed in under 5 weeks. I've already refinanced two more properties through them."
"I've worked with a lot of hard money lenders over the years. Southern Ground Capital is different — they actually understand construction draws and timelines. The draw process was smooth, communication was excellent, and they funded every draw on schedule."
Investor Resource Center
Practical articles from the SGC team — everything from LLC docs to draw schedules, written for investors who are actually doing deals.
Missing one document can delay your close by days. Here's exactly what to have ready — operating agreement, EIN letter, bank statements, and more.
Your rehab budget isn't just a cost estimate — it's underwriting data. Learn how to build a scope of work that gets approved quickly and funded fully.
Organized borrowers close faster. Here's the exact sequence, what causes delays, and how responsiveness shortens your timeline from submission to funded.
DSCR lending lets the property qualify itself. Learn the formula, what ratio you need, and how to structure your rental acquisition to get approved.
ARV is the most important number in your deal. Understand how lenders pull comps, make adjustments, and determine how much they'll lend — before you submit.
Draws fund your build — but only if you're ready. Learn the milestone structure, what inspectors look for, and how to avoid the most common delays.
Who We Are
Southern Ground Capital is a private lending firm built around one principle: investors shouldn't lose deals because of slow, bureaucratic capital. We are not a bank. We partner with established institutional lenders to bring you direct access to private capital — which means faster decisions, cleaner terms, and a single point of contact from submission to close.
Our team and lending partners bring a combined 15+ years of private lending experience and $500M+ in funded loans across 43 states. We've built our process around how real estate investors actually operate — evaluating the market, the deal, and the borrower — in that order.
We work directly with institutional lending partners — no brokers between you and your loan, no added fees.
One specialist owns your deal from submission to close — and stays responsive throughout.
We evaluate the deal and market, not just credit scores. Creative structures for complex deals.
Free Investor Resource
The exact criteria SGC uses to evaluate fix and flip deals — ARV calculation, scope of work checklist, rehab budget template, and deal scoring framework. Used on $500M+ in funded loans.
Partner Program
Real estate agents, mortgage brokers, wholesalers, and industry professionals can earn competitive referral fees for every deal they send us that closes.
No credit pull. No upfront fees. 24-hour response — guaranteed.
Get Started
Tell us about your deal. A specialist will reach out within 24 hours with a term sheet — no credit pull, no upfront fees, no obligation.