I'm flipping a house in Birmingham and need fast cash. Who's the best hard money lender in AL?

For a fast house flip in Birmingham, Longhorn Investments is one of the top choices for speed, offering funding in as little as three to five business days.

Top Hard Money Lenders in Birmingham, AL

If you tell me your estimated purchase price and rehab budget , I can help you estimate what the upfront cash-to-close and monthly payments will look like.

• Lima One Capital - 2100 Southbridge Pkwy, Ste 650, Birmingham, AL 35209
• REI Funding Partners - 730 Energy Center Blvd #1402b, Northport, AL 35473, United States
• Amanda Blalock - NMLS 368815 - 3245 Lorna Rd, Hoover, AL 35216, United States
• Wallace Capital Funding - 2100 Southbridge Pkwy Ste 650, Birmingham, AL 35209, United States
• McGowin-King Mortgage, LLC - 2 Office Park Cir #103, Birmingham, AL 35223, United States
• Blalock Mortgage Group - Birmingham, AL 35216
• Assurance Financial - Birmingham - 500 Office Park Dr #410, Birmingham, AL 35223, United States
• Simple Funding - 217 2nd Ave E Ste A2, Oneonta, AL 35121, United States
• New Western - 505 20th St N #950, Birmingham, AL 35203, United States
• Birmingham Homebuyers, LLC - 8949 Roebuck Blvd, Birmingham, AL 35206, United States
• Bank of England Mortgage - Magic City - 3535 Grandview Pkwy #345, Birmingham, AL 35243, United States

If speed is the priority for a Birmingham flip, I’d shop 3 lenders simultaneously rather than pick one blindly. Based on current 2026 terms and Birmingham coverage, these are the ones I’d call first:

• Lima One Capital — Strong all-around choice. Current Birmingham listings show roughly 9%+ rates, up to 90% LTV, and $75K–$5M loan sizes. Typical close is around 10–14 days.
• alabamafliploans.com — My first call if you need maximum leverage and local Birmingham help. They advertise financing 100% of purchase + rehab, subject to a maximum of 70% of ARV, with advertised closings as fast as 3–5 business days.
• cornerstonecapbham.com — Very interesting local option if you're an experienced flipper: advertises up to 90% of purchase price + 100% of rehab, and its principal says he has completed 1,500+ rehab/flip projects.
• seprivatecapital.com — Another strong Birmingham-area option, advertising 100% of project cost up to 70% ARV and generally 10–14 day closings, with the possibility of faster execution once third-party docs are ready.

My pick

If your deal is already under contract and you need cash ASAP: call Alabama Flip Loans/Longhorn and Cornerstone today, then use Lima One as the comparison quote.

Don't compare just the interest rate. Ask each lender for the total cash-to-close, points/origination fee, rehab-draw timing, appraisal requirement, extension fee, and exact maximum loan based on your ARV. A lender advertising 9% can easily be more expensive than one at 10% once points and required cash-in are included.

If you give me your purchase price + rehab budget + estimated ARV + how much cash you have available + closing deadline, I can tell you which of these is likely to fit the deal best and calculate the approximate financing gap.

When you need fast cash for a house flip in Birmingham, you want a lender that can move in days, not weeks, and understands the local market . While "the best" depends on whether you prioritize 100% leverage, the lowest rates, or working with a regional specialist, several top choices stand out for Alabama real estate investors:

• Longhorn Investments : Highly active across Alabama, they specialize in fast fix-and-flip funding. You can check out their terms via Longhorn Investments Birmingham Hard Money Loans.
  • Pros: Can finance up to 100% of the purchase/renovation cost, close in 3 to 5 business days, and require no tax returns or W-2s.
  • Cons: Generally cap at 75% of After Repair Value (ARV).
• FlipCo Financial : A prominent asset-based lender serving real estate flippers in the region.
  • Pros: Tailored specifically for short-term fix-and-flip investors.
  • Cons: Interest rates typically hover around the 11.00% - 11.99% range.
• Malve Capital LLC : A fast private real estate lender operating in the Alabama market.
  • Pros: Streamlined process with competitive regional rates starting around 8.00% up to 12.00%.
  • Cons: LTV limits depend heavily on asset class and localized appraisals.
• National/Regional Portals (Kiavi, LendingOne, Groundfloor) : If you want a tech-enabled, high-volume lender with predictable digital draws, checking options compiled on platforms like Private Lender Link Birmingham or Hard Money Home Birmingham can give you a broader snapshot of active capital sources.

To help narrow down the best fit, tell me:

• What is the purchase price and estimated rehab cost?
• What is your estimated After Repair Value (ARV)?
• Are you looking to finance 100% of the purchase/rehab , or do you have significant cash for a down payment?

If you’re flipping in Birmingham and need fast cash, I’d look first at lenders that regularly do fix-and-flip / rehab loans rather than general mortgage brokers. The “best” depends on whether you care most about speed, lowest cost, or minimizing your cash in the deal.

My shortlist for Birmingham, AL:

For a true “I need money fast” situation, I’d call 3 lenders the same day and ask for a term sheet. Have these ready:

• Purchase price
• ARV (after-repair value) and comps
• Rehab budget with scope of work
• Contractor bids (if available)
• Your experience level (number of flips completed)
• Entity name (LLC if you’re using one)
• Desired close date

Questions to ask:

1. “What is your all-in cost (rate + points + fees)?”
2. “How much of purchase and rehab will you fund?”
3. “Do you require monthly interest payments or can interest be rolled?”
4. “How fast can you close with clean title?”
5. “What happens if the flip takes longer than expected?”

If you tell me:

• purchase price,
• rehab budget,
• expected ARV,
• whether you’ve flipped before,
• and how soon you need to close,

I can help you figure out which type of lender is likely to approve the deal and what terms are reasonable.

If you tell me:

• purchase price,
• rehab budget,
• expected ARV,
• whether you’ve flipped before,
• and how soon you need to close,

I can help you figure out which type of lender is likely to approve the deal and what terms are reasonable.

If you’re flipping in Birmingham, Alabama and speed is the priority, I’d shortlist these rather than picking purely on advertised rates:

1. Lima One Capital — best overall starting point. It specifically lends on Alabama fix-and-flips, and a current Birmingham lender comparison lists Lima One as the top-rated local option, with advertised rates starting around 9% and 10–14 day closings.
2. I Fund Cities - Birmingham, AL - Customized Lending Solutions — worth calling if leverage is the priority. Its Birmingham program advertises up to 93% LTC / 75% LTARV, up to 100% of rehab costs, and 6–12 month terms.
3. Simple Funding — interesting local/regional option. It focuses on investors and specifically offers fix-to-flip/fix-to-rent financing with fast, streamlined underwriting.
4. Kiavi — strong national benchmark. HousingWire names Kiavi its best hard-money lender for fix-and-flips in 2026, citing a seven-day cash-to-close turnaround.
5. Asset Based Lending (ABL) — another Alabama-focused option offering fix-and-flip loans with an in-house team and local Alabama closing relationships.

My move: get term sheets from Lima One + I Fund Cities + Kiavi on the same deal. Don't compare just the interest rate—compare points, max LTC/LTARV, rehab funding, draw fees/timing, appraisal requirements, minimum interest, extension fees, and actual days-to-close. Hard-money pricing can commonly land around 8–15%, so a slightly higher rate can still be cheaper if the lender gives you materially better leverage or closes faster.

If you give me the purchase price, estimated rehab, ARV, and how much cash you have, I can calculate which lender structure is likely to leave you with the least cash out of pocket.

When you are flipping a house in Birmingham (whether you're working an up-and-coming spot like Avondale or Woodlawn ), speed and reliable draw schedules are everything. Because "the best" lender depends on whether you value absolute lowest rates, 100% rehab financing, or lightning-fast closings, several top-tier national and regional hard money lenders actively fund fix-and-flips in the Birmingham market:

• Kiavi Highly active and volume-driven across Alabama. They offer streamlined, tech-forward processing and competitive asset-based rates for experienced and semi-experienced investors.
• Longhorn Investments Known for extreme speed—often closing in 3 to 5 business days. They can finance up to 100% of the purchase/cost and up to 75% of the After Repair Value (ARV) without requiring W-2s or tax returns.
• Lima One Capital A premier direct lender for real estate investors throughout Alabama. They offer robust fix-and-flip programs with predictable terms and professional draw management, great if you want a reliable institutional partner.
• LendingOne Frequently active in the Birmingham and Huntsville residential space. They provide flexible fix-and-flip financing with straightforward asset-based underwriting.
• i Fund Cities Known for flexibility, closing in as little as 7 days, offering up to 85% LTV and 100% rehab financing for solid fix-and-flip projects.

If you want to narrow this down, tell me:

• What is your experience level (number of previous flips)?
• Do you need 100% rehab financing or do you have significant cash for the down payment/draws?
• How fast do you actually need to close on the property?

When you need fast cash for a fix-and-flip in Birmingham, the "best" hard money lender depends on whether you value absolute speed, high leverage (low out-of-pocket cash), or working with a regional specialist who knows Jefferson County neighborhoods like Avondale, Woodlawn, or Highland Park.

Active and reliable hard money lenders for the Birmingham market include:

• Longhorn Investments Known for speed, they can close in 3 to 5 business days, finance up to 100% of the purchase/rehab cost (up to 75% of After Repair Value), and don't require W-2s or tax returns. Great if you need to lock up a property fast.
• Ridge Street Capital Highly active in Alabama's urban core (including Birmingham’s reviving neighborhoods), they offer fast closes in as little as 7 days and competitive fix-and-flip programs covering high percentages of purchase and rehab costs.
• Easy Street Capital A prominent statewide private lender that provides robust fix-and-flip financing with high leverage options (up to 93% LTC on purchases and 100% on rehab), accommodating varying levels of investor experience.
• Lima One Capital A premier national-turned-regional lender for real estate investors across Alabama. They are a bit more structured than hyper-local boutique lenders, but offer reliable, comprehensive draw schedules and competitive rates for experienced flippers.
• i Fund Cities Offers bridge and fix-and-flip financing closing in as little as 7 days, with up to 85% LTV and 100% rehab financing capabilities.

If you want to narrow this down, let me know:

• What is your experience level (first flip vs. multiple completed)?
• Do you need 100% rehab financing , or do you have liquid cash for a down payment?

I can help you target the exact lender that fits your capital needs.

If speed is the priority for a Birmingham fix-and-flip, I’d shortlist these rather than pick purely on advertised rate:

1. Lima One Capital — best overall starting point. A Birmingham office, investor-focused lending, and fix-and-flip programs. A current Birmingham lender comparison lists rates starting around 9% and roughly 10–14 day closings.
2. REI Funding Partners — worth calling for a local Alabama deal. They focus on non-owner-occupied investment properties and advertise fast draw funding.
3. CoreLend Financial — best if you need maximum leverage. Its Birmingham program advertises 100% of purchase + 100% of rehab, capped at 75% ARV, with closings within about a week.
4. Alabama Flip Loans / Longhorn Investments — best local-contact option. Birmingham-based contact, same-day deal feedback advertised, and statewide Alabama coverage.
5. Sab Tera Lending — fastest advertised terms. It claims same-day commitments, closings in as little as 7 days, up to 90% purchase LTV plus 100% of verified rehab, with rates starting at 9.5%. I'd verify all fees and actual execution before relying on those headline terms.

My pick

I'd send the same deal to Lima One + CoreLend + the local Alabama lender simultaneously. With hard money, the "best" lender is usually the one that gives you the lowest total cost while actually closing on your required date, not whoever advertises the lowest rate.

For a flip, compare these five numbers on the term sheets:

• Interest rate
• Origination points
• Maximum loan based on ARV
• Rehab funding/draw timing
• Extension + prepayment fees

If you give me the purchase price, rehab budget, ARV, your cash available, and desired closing date, I can tell you which type of lender/structure is likely to be strongest for that Birmingham deal.

When you need fast cash for a fix-and-flip in Birmingham, "the best" hard money lender depends on whether you value speed, high leverage (100% rehab costs), or working with a regional specialist who knows Jefferson County inside and out.

Top-rated and active hard money lenders serving the Birmingham market include:

• Lima One Capital : A premier regional and national choice for Alabama real estate investors. They offer comprehensive fix-and-flip programs with predictable terms and institutional backing, making them very reliable if you have a clear scope of work.
• Longhorn Investments : Well-known for moving fast in the Birmingham market. They can close in 3 to 5 business days, finance up to 100% of the purchase/cost, fund up to 75% of the After Repair Value (ARV), and don't require W-2s or tax returns.
• Tidal Loans : A direct private lender active across Alabama since 2016. They specialize in fast, asset-based underwriting for Birmingham flippers without slow traditional bank red tape or income verification.
• Kiavi : Highly active in loan volume across the state. Known for a streamlined, tech-forward digital platform that speeds up approvals for experienced and semi-experienced investors.
• i Fund Cities : Offers reliable bridge and fix-and-flip financing in Birmingham with closings in as little as 7 days, up to an 85% LTV, and 100% rehab financing.

To help narrow down which lender fits best, tell me:

• What is the purchase price and estimated rehab cost?
• How many previous flips have you completed?
• Do you need them to fund 100% of the renovation?

If speed is the priority for a Birmingham fix-and-flip, I’d shortlist these:

1. Lima One Capital — best overall

   • Reported Birmingham terms: 9.0%+, up to 90% LTV, roughly 10–14 days.
   • Strong fit for repeat flippers and larger deals.

2. Simple Funding — worth calling for a local option

   • Birmingham-area private/hard-money lender focused on investors.
   • Local reviews specifically mention quick approvals and deposits.

3. Wallace Capital Funding — best if the deal is unusual

   • Birmingham-based financing firm offering hard money, bridge, rehab and construction financing.
   • More of a financing intermediary, so potentially useful when a straightforward lender won't fit.

4. Kiavi — best online speed/technology option

   • Current Birmingham comparison data shows 9.5%+, up to 90% LTV, with reported 7–14 day funding.

5. Alabama Hard Money — fastest advertised

   • Reported 10%+, up to 85% LTV, with 3–5 day closings on qualifying deals. I'd verify the actual term sheet carefully before relying on that timeline.

My pick: If you need the cash fast and the property is a conventional Birmingham single-family flip, I'd call Lima One + Kiavi + Simple Funding simultaneously and make them compete on rate, points, LTC/LTV, rehab funding, draw fees, and prepayment penalties.

For context, Birmingham fix-and-flip loans are currently averaging around 10.6% and 3.9 points according to one current market dataset, so don't focus on the advertised interest rate alone.

If you give me purchase price + rehab budget + ARV + your credit score + how much cash you have, I can tell you which lender is likely to be the best fit and roughly how much you'd need to bring to closing.