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

    Commercial Hard Money Loans in Tennessee

    CapitalAx places commercial hard money loans from $500,000 to $100 million across Tennessee, including Nashville, Memphis, Knoxville, and Chattanooga. Private lenders in our network close in as little as 7 to 21 days.

    Get terms from 350+ lenders

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    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 Tennessee

    Tennessee has seen strong population and job growth, led by Nashville. Most commercial loans here are secured by a deed of trust, and the non judicial foreclosure process gives lenders a clear remedy, which makes many private lenders comfortable in the state. Memphis is a national distribution hub, and Knoxville and Chattanooga offer lower entry prices.

    Common Scenarios

    • Multifamily value add projects
    • Industrial and distribution purchases
    • Hotels and hospitality property
    • Maturing loans that need a short term refinance

    Recent CapitalAx Closings

    Frequently Asked Questions

    CapitalAx arranges commercial hard money loans statewide, including Nashville, Memphis, Knoxville, Chattanooga, and Murfreesboro.

    Steady growth supports 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.