Retail shopping center with parking, the type of property financed with commercial hard money loans across Georgia.

    Commercial Hard Money Loans in Georgia

    CapitalAx places commercial hard money loans across Georgia from $500,000 to $100 million. Private lenders in our network fund acquisitions, refinances, and renovations in Atlanta, Savannah, Augusta, Columbus, and markets statewide, with closings in as little as 7 to 21 days.

    Get terms from 350+ lenders

    A CapitalAx broker responds within one business day.

    Typical Terms

    Typical commercial hard money loan terms
    Loan size$500,000 to $100,000,000
    Loan to valueUp to 65% to 70%
    Interest rate10% to 13%
    Origination1 to 3 points
    Term6 to 24 months, interest only
    Time to close7 to 21 days
    CollateralFirst lien on commercial or investment real estate
    Underwriting focusProperty value, equity, and exit strategy

    These are typical ranges across our lender network. Your terms depend on the property, leverage, location, and exit plan.

    Hard Money Lending in Georgia

    Georgia is an active private lending market. Its non judicial foreclosure process gives lenders a clear and relatively fast remedy, which makes many of them comfortable lending here. Metro Atlanta drives most of the volume, and the Port of Savannah supports strong demand for industrial and logistics property along the coast and the interstate corridors.

    Common Scenarios

    • Industrial and warehouse purchases tied to port and freight activity
    • Multifamily value add projects in metro Atlanta
    • Retail centers with vacancy that a bank will not finance yet
    • Maturing loans that need a short term refinance

    Recent Closings

    Mixed Use Cash Out Bridge Loan

    Loan amount
    $1.5M
    Property type
    Mixed Use Financing
    View case study

    Frequently Asked Questions

    CapitalAx arranges commercial hard money loans statewide, including Atlanta, Savannah, Augusta, Columbus, Macon, and Athens.

    Steady population and job growth support property values, and the state's foreclosure process is faster than in states that require a court proceeding.

    See full program details, requirements, and how the process works on our commercial hard money loans page.

    Terms shown are typical ranges and are not a commitment to lend. All loans are subject to lender approval.