I'm flipping a house in Birmingham and need fas… | Parse
I'm flipping a house in Birmingham and need fast cash. Who's the best hard money lender in AL?
Data as of Sep 24, 2026 · Based on 342 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
If you need the fastest cash for a Birmingham flip, Easy Street Capital is the best-fit: its EasyFix product advertises 48-hour closings and high advance rates. If you can wait a few days, Longhorn closes in 3–5 business days; Lima One is better for very high loan-to-cost leverage; LendingOne is a reliable nationwide option. Always confirm eligibility, appraisal rules, and exact timelines for your deal.
Best when you need cash in hours or a couple days: EasyFix advertises 48-hour closings and high leverage, but check appraisal exemptions and qualification details before relying on that speed.
Best when you need high leverage for a fix‑and‑flip: Lima One offers fix-and-flip programs up to 92.5% LTC and has an established presence supporting Alabama investors.
Best when you need very fast closings but can allow a few days: Longhorn frequently closes in 3–5 business days in Birmingham and is noted for investor-friendly terms and high customer ratings.
If speed is the priority for a Birmingham flip, I’d get multiple term sheets today rather than rely on a single “best” lender. Current published terms vary substantially.
Lima One Capital — Birmingham office; current market listings show roughly 9%+ rates, up to 90% LTV, and 10–14-day closings for fix-and-flip loans.
REI Funding Partners — Alabama-based private/investor lender serving non-owner-occupied projects; worth getting a quote for a local deal.
Alabama Flip Loans / Longhorn Investments — its Birmingham-based consultant advertises 100% of purchase + rehab, up to 70% of ARV, with stated 5–10 business-day closings.
Cornerstone Capital — Birmingham private lender advertising up to 90% of purchase price plus 100% of rehab for single- and multifamily projects; it specifically emphasizes fast closings.
Southeast Private Capital — advertises up to 100% of project cost subject to a 70% ARV cap, with typical closings of 10–14 days and potentially faster once third-party documents are complete.
For a fast-cash flip, compare these five numbers on the term sheets: interest rate, origination points, maximum LTC/ARV, rehab-draw rules, and actual cash required at closing. A lender advertising “100% financing” can still require substantial cash because of ARV caps, points, reserves, and closing costs.
If you give me purchase price + rehab budget + estimated ARV + your credit score + whether you've flipped before + how many days until closing, I can narrow the field to the lenders whose published parameters fit your deal.
When you need fast cash for a house flip in Birmingham, you want a lender that prioritizes speed, high leverage on the purchase/rehab costs, and minimal red tape (no W-2s or tax returns).
Here are some of the top-rated and most active hard money lenders serving the Birmingham, AL market:
Longhorn Investments : Very active across Alabama, known for closing in as little as 3 to 5 business days . They can finance up to 100% of the purchase/rehab cost and work with first-time flippers, making them a great option if you need speed and high leverage. Check their terms on the Longhorn Investments Birmingham Loans page.
Easy Street Capital : A prominent statewide lender offering specialized fix-and-flip and new construction programs in Birmingham. They offer competitive leverage (up to 93% of LTC) and streamlined, reliable processing. Review their programs via Easy Street Capital Alabama Hard Money Loans.
Lima One Capital : A heavily utilized national private lender with a strong presence in Alabama. They offer reliable fix-and-flip products covering high percentages of LTC and ARV. Learn more at Lima One Capital Alabama.
LendingOne : Another major national player active in the Birmingham market offering fast bridge and fix-and-flip financing with clear, tiered LTV/LTC structures. Details can be found at LendingOne Birmingham Loans.
To help narrow down the best specific fit for this deal, tell me:
What is the purchase price and estimated rehab cost?
Is this your first flip , or do you have a track record of completed projects?
Wallace Capital Funding - 2100 Southbridge Pkwy Ste 650, Birmingham, AL 35209, United States
REI Funding Partners - 730 Energy Center Blvd #1402b, Northport, AL 35473, United States
Simple Funding - 217 2nd Ave E Ste A2, Oneonta, AL 35121, United States
Lima One Capital - 2100 Southbridge Pkwy, Ste 650, Birmingham, AL 35209
Blalock Mortgage Group - Birmingham, AL 35216
Gagliano Mortgage, Inc - 4500 Valleydale Rd Ste F, Birmingham, AL 35242, United States
CoreLend Financial - 4435 Summer Ave, Memphis, TN 38122, United States
Wallace Capital Funding - Birmingham, AL 35209
Baker Collins & Co. | Commercial Lending - 260 Peachtree St Ste 1002, Atlanta, GA 30303, United States
Silliman Private Lending - 900 Old Roswell Lakes Pkwy Suite 230, Roswell, GA 30076, United States
If you’re flipping in Birmingham and need speed, I’d compare a few lenders rather than assume there’s one “best” — the right choice depends on your purchase price, rehab budget, ARV, experience, and how much cash you want to bring in.
A short list of Birmingham/Alabama hard-money lenders to call:
Lender
Best fit
Notes
Lima One Capital
Investors who want a larger national lender
Offers fix-and-flip financing and serves Birmingham investors; listings show Birmingham availability and investor loan programs.
Markets fix-and-flip loans, including up to 90% of purchase price and 100% of rehab costs for qualifying projects.
For a fast cash situation, I’d call 3 lenders the same day and ask each for:
Maximum loan-to-cost (LTC) and loan-to-ARV
Interest rate + points
Rehab draw process (how fast draws are released)
Minimum borrower cash required
Expected closing timeline
Any extension fees or prepayment penalties
Have this ready before you call:
Property address
Purchase price
Rehab estimate
ARV (after-repair value)
Your exit plan (sell vs. refinance)
Your timeline to close
If you share the purchase price, rehab budget, ARV, and whether you’re under contract, I can help you figure out what type of lender is likely to fit and what terms to push for.
Lima One Capital - 2100 Southbridge Pkwy, Ste 650, Birmingham, AL 35209
Wallace Capital Funding - 2100 Southbridge Pkwy Ste 650, Birmingham, AL 35209, United States
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
Gagliano Mortgage, Inc - 4500 Valleydale Rd Ste F, Birmingham, AL 35242, United States
Blalock Mortgage Group - Birmingham, AL 35216
Simple Funding - 217 2nd Ave E Ste A2, Oneonta, AL 35121, United States
Duratus Properties - 3605 8th Ave S # B, Birmingham, AL 35222
Wallace Capital Funding - Birmingham, AL 35209
CoreLend Financial - 4435 Summer Ave, Memphis, TN 38122, United States
Diana Will Lending Team NMLS: 1740691 - 20 Meadowview Dr, Meadowbrook, AL 35242, United States
Birmingham Homebuyers, LLC - 8949 Roebuck Blvd, Birmingham, AL 35206, United States
If speed is the priority for a Birmingham, Alabama fix-and-flip, I’d put these at the top of your call list:
Lima One Capital — Best overall starting point. Current Birmingham listings show roughly 9%+ rates, up to 90% LTV, $75k–$5M, with typical funding around 10–14 days.
Alabama Flip Loans / Longhorn Investments — Probably the one I'd call first if cash-to-close is your biggest constraint. They advertise 100% of purchase + rehab, up to 70% ARV, with 5–10 business-day closings; their Birmingham consultant says Longhorn can sometimes close in 3–5 days.
Wallace Capital Funding — Birmingham-based and offers hard-money/bridge/rehab financing, particularly worth considering if your deal is less vanilla than a standard single-family flip.
Cornerstone Capital — Local private lender advertising up to 90% of purchase price + 100% of rehab for single- and multifamily projects.
Southeast Private Capital — Attractive if you want minimal cash in: it advertises 100% of cost up to 70% ARV, with typical closing in 10–14 days and potentially faster once third-party docs are ready.
My pick
If you have a deal under contract and need money ASAP, I'd call Alabama Flip Loans/Longhorn and Lima One simultaneously. Don't just compare the headline interest rate—ask each for the actual net sheet showing rate, points, origination fees, appraisal, inspection/draw fees, minimum interest, extension fees, and exactly how much cash you have to bring.
If you give me your purchase price + rehab budget + expected ARV + credit score + how much cash you have available, I can tell you which of these is likely to fit best and estimate your cash-to-close and profit.
When you need fast cash for a fix-and-flip in Birmingham, you want a lender with a quick turnaround, high leverage (covering purchase and rehab), and a smooth approval process.
Several active, highly-rated hard money lenders service the Alabama and Birmingham markets:
Longhorn Investments - A popular regional option for fast funding. They can close in 3 to 5 business days, finance up to 100% of the cost, and do not require W-2s, tax returns, or pay stubs, making them very friendly for both experienced and first-time flippers. You can review their programs on the Longhorn Investments Birmingham Loans page.
Easy Street Capital - Highly active across Alabama for fix-and-flips, offering competitive leverage up to 93% of the Loan-to-Cost (LTC) and up to 75% of the After Repair Value (ARV). They are known for quick, reliable processing on residential investment properties. Check out their loan criteria via Easy Street Capital Alabama Hard Money Loans.
Kiavi - Known for high loan volume, streamlined tech-driven processes, and competitive rates for experienced real estate investors looking to move fast on residential fix-and-flips.
Constructive Loans - Another major institutional private lender heavily active in the Alabama market providing reliable capital for residential transition and fix-and-flip projects.
If you want to narrow down the best fit, tell me:
What is your experience level (number of previous flips)?
What percentage of the purchase price vs. rehab cost do you need financed?
When you need fast capital for a house flip in Birmingham, choosing a lender depends on whether you want a national private lender with high leverage or a specialized regional player that can close in days.
Here are top-tier hard money lenders active in the Birmingham market:
Longhorn Investments — A popular choice for speed, offering quick closes (often 3 to 5 business days), financing up to 100% of the purchase/repair cost, and no requirement for traditional W-2s or tax returns. They typically fund up to 75% of the After Repair Value (ARV).
Easy Street Capital — Highly active across Alabama, including Birmingham and Huntsville. They provide fix-and-flip financing up to 93% of the Loan-to-Cost (LTC) and 75% of the LTV, making them a strong fit if you want to keep your out-of-pocket cash contribution lower.
Kiavi — One of the highest-volume institutional fix-and-flip lenders nationally that actively services the Alabama market. They are known for a streamlined, tech-enabled digital application process and reliable closings for experienced and intermediate investors.
Lima One Capital — A prominent national hard-money and private-lending company with strong coverage in Birmingham, offering competitive rates on short-term fix-and-flip, transactional, and new construction loans.
To help narrow down the best specific fit, tell me:
What is your experience level (number of previous flips)?
What is the estimated purchase price and rehab budget?
Do you need funding for 100% of the purchase and rehab , or do you have cash liquid for a down payment?
Lima One Capital - 2100 Southbridge Pkwy, Ste 650, Birmingham, AL 35209
Gagliano Mortgage, Inc - 4500 Valleydale Rd Ste F, Birmingham, AL 35242, United States
REI Funding Partners - 730 Energy Center Blvd #1402b, Northport, AL 35473, United States
Birmingham Homebuyers, LLC - 8949 Roebuck Blvd, Birmingham, AL 35206, United States
Blalock Mortgage Group - Birmingham, AL 35216
Simple Funding - 217 2nd Ave E Ste A2, Oneonta, AL 35121, United States
Chase Pays Cash, Real Estate Investment Firm - 1805 Tin Valley Cir, Trussville, AL 35173, United States
Wallace Capital Funding - Birmingham, AL 35209
Buy BHM - 490 Wildwood Cir N #170, Birmingham, AL 35209, United States
For a Birmingham, AL fix-and-flip where speed matters, I’d shortlist a few lenders rather than pick just one. The “best” depends on whether you care most about same-week closing, lowest cost, rehab draws, or minimal cash in.
Loan-to-cost (LTC) vs. loan-to-ARV — a lender advertising “100% financing” may still cap the loan based on the finished value.
Points + interest rate — a cheaper rate with higher points may cost more on a 3–6 month flip.
Draw speed — rehab money delays can kill a flip.
Extension fees and exit penalties — important if your sale takes longer than expected.
If you need cash fast (days, not weeks), I’d start with:
A local lender like Southeast Private Capital or Alabama Flip Loans for speed and Birmingham knowledge.
Lima One as a benchmark quote so you know whether the local terms are competitive.
If you give me the purchase price, rehab budget, ARV, and how much cash you have available, I can help you figure out which lender type is likely to fit and what terms to push for.
REI Funding Partners - 730 Energy Center Blvd #1402b, Northport, AL 35473, United States
Lima One Capital - 2100 Southbridge Pkwy, Ste 650, Birmingham, AL 35209
Simple Funding - 217 2nd Ave E Ste A2, Oneonta, AL 35121, United States
Blalock Mortgage Group - Birmingham, AL 35216
Wallace Capital Funding - 2100 Southbridge Pkwy Ste 650, Birmingham, AL 35209, United States
Gagliano Mortgage, Inc - 4500 Valleydale Rd Ste F, Birmingham, AL 35242, United States
FlipCo Financial - 12140 Wickchester Ln Ste 100, Houston, TX 77079, United States
Duratus Properties - 3605 8th Ave S # B, Birmingham, AL 35222
Chase Pays Cash, Real Estate Investment Firm - 1805 Tin Valley Cir, Trussville, AL 35173, United States
If speed is the priority, I’d shortlist these three for a Birmingham flip:
REI Funding Partners — Alabama-based private lender with an investor-focused model. Worth calling for a local relationship-driven quote.
Lima One Capital — Strong national option for fix-and-flip financing. Current Birmingham market data lists roughly 9%+ starting rates, up to 90% LTV, with roughly 10–14 day closings.
Cornerstone Capital — Birmingham private lender that advertises up to 90% of purchase price + 100% of rehab, and says it can provide transactional funding within 24 hours.
My pick for your situation
If you've already got the property under contract and need cash fast, I'd call Cornerstone and REI Funding Partners first, then use Lima One as a pricing/terms comparison.
There's also a Birmingham-based consultant working with Longhorn Investments that advertises 100% purchase + rehab financing, up to 70% of ARV, with typical closings of 5–10 business days.
Don't choose purely on the headline interest rate. Compare points + rate + maximum ARV/LTC + rehab draw rules + extension fees + prepayment penalty + actual closing time. A 9.5% loan that takes three weeks can be worse for a hot deal than a 11% loan that closes in five days.
If you give me your purchase price, estimated rehab, ARV, and how much cash you have available, I can tell you which type of lender/loan structure is likely to be the best fit and roughly how much cash you'll need to bring.
For a fast-paced fix-and-flip in the Birmingham market, speed, high leverage, and reliable draw processes are everything. The "best" lender depends a bit on your experience level, but several top-tier national and regional hard money lenders actively dominate the Alabama market with fast capital:
Top Hard Money Lenders for Birmingham Flips
Kiavi : A massive player by loan volume in Alabama. Formerly known as LendingHome, they leverage a tech-driven platform that makes the application and approval process smooth. They are known for competitive interest rates, fast funding timelines, and not charging interest on undrawn repair/reserve funds, which saves you money during the rehab phase.[2]
Longhorn Investments : Highly active in Birmingham, Longhorn is a favorite for flippers because they can finance up to 100% of the purchase/cost and up to 75% of the After Repair Value (ARV). They can close in as little as 3 to 5 business days and don't require traditional W-2s, tax returns, or pay stubs, making them very friendly to new and seasoned investors alike.
Lima One Capital : Known for having a robust in-house team rather than relying entirely on brokers. They offer dedicated fix-and-flip lines of credit and comprehensive end-to-end support from underwriting to construction draws. While their underwriting can take a bit longer than ultra-fast transactional lenders (typically 7–10 business days), they are exceptionally reliable and transparent with their fee structures.
Easy Street Capital : Very active across statewide Alabama including Birmingham and Huntsville. They offer high-leverage fix-and-flip loans going up to 93% Loan-to-Cost (LTC) and 75% LTV. They pride themselves on a simplified, reliable process for investors regardless of exact portfolio size.
To help narrow down which lender fits your specific deal, tell me:
What is your approximate experience level (number of flips completed)?
What percentage of purchase price vs. rehab costs do you need financed?
Thrive Solutions - 1209 1st Ave S Ste 202, Birmingham, AL 35233, United States
Wallace Capital Funding - 2100 Southbridge Pkwy Ste 650, Birmingham, AL 35209, United States
Bham Home Offer - 3000 Galleria Cir Suite 1500, Hoover, AL 35244, United States
Simple Funding - 217 2nd Ave E Ste A2, Oneonta, AL 35121, United States
Chase Pays Cash, Real Estate Investment Firm - 1805 Tin Valley Cir, Trussville, AL 35173, United States
REI Funding Partners - 730 Energy Center Blvd #1402b, Northport, AL 35473, United States
Blalock Mortgage Group - Birmingham, AL 35216
Birmingham Real Estate Solutions LLC - 2710 18th St S, Birmingham, AL 35259, United States
Birmingham Homebuyers, LLC - 8949 Roebuck Blvd, Birmingham, AL 35206, United States
Wallace Capital Funding - Birmingham, AL 35209
Lima One Capital - 2100 Southbridge Pkwy, Ste 650, Birmingham, AL 35209
Gagliano Mortgage, Inc - 4500 Valleydale Rd Ste F, Birmingham, AL 35242, United States
If speed is the priority for a Birmingham fix-and-flip, I’d put these at the top of your call list:
Thrive Solutions — Birmingham-based, but I’d verify that they’re actually lending on your specific flip; the local-business listing is more real-estate-investment focused than clearly lender-focused.
Wallace Capital Funding — Birmingham-based financing firm that arranges hard-money, bridge, rehab and construction financing.
Cornerstone Capital — probably one of the more interesting local options. They advertise up to 90% of purchase price + 100% of rehab, and say they can provide transactional funding within 24 hours.
Southeast Private Capital — particularly compelling if you need minimal cash in. They advertise 100% of purchase + rehab up to 70% ARV, with typical closing in 10–14 days and potentially faster once third-party docs are ready.
My pick
If you're already under contract and need money fast, I'd call Cornerstone + Southeast Private Capital + Alabama Flip Loans simultaneously and make them compete on the term sheet. The biggest thing isn't just the headline interest rate—it’s points, maximum LTC/LTARV, rehab draw process, appraisal requirement, minimum interest, extension fees, and actual closing date.
For example, a lender offering 9.5% with 3 points and a slow draw process can easily be more expensive than a 10.5% lender charging 1–2 points and funding rehab quickly.
If you give me your purchase price, ARV, rehab budget, credit score, and how much cash you have available, I can tell you which type of lender/loan structure I'd target and what terms you should negotiate for.
Markets investor-oriented private lending for Birmingham-area rehab and investment projects.
Alabama Flip Loans / Longhorn Investments — Birmingham-focused consultant advertising 100% purchase + rehab financing, capped at 70% ARV. They say they can respond to a deal the same day.
Lima One Capital — a larger national option. Current Birmingham market data lists roughly 9%+ starting rates, up to 90% LTV, and $75K–$5M loans, though your actual quote will depend on the deal.
Follow how AI answers questions like this in Hard Money Lending Services.
Lima One Capital - 2100 Southbridge Pkwy, Ste 650, Birmingham, AL 35209
REI Funding Partners - 730 Energy Center Blvd #1402b, Northport, AL 35473, United States
