Little Rock real estate investor here, seeking the best hard money lender in AR with good rates.

If you’re investing in Little Rock/Central Arkansas, I’d shop 3–4 lenders rather than automatically choosing the lowest advertised rate. Current published data puts Little Rock hard-money pricing roughly around 10%–13%, with 2–3 points common.

My shortlist

• Ridge Street Capital — probably my first call for a straightforward fix-and-flip. They publish an actual Arkansas-funded deal at 10.99%, 2.5 points, 90% of purchase + 100% rehab, with an average 7–14 day close.
• Lima One Capital — strong choice for repeat investors and larger deals. Current published pricing starts around 9%, with up to 90% LTV and loans from $75K to $5M.
• Kiavi — worth getting a quote from because of its competitive national pricing and fast underwriting; published starting rates are around 9.5% and up to 90% LTV.
• B-Line Capital — interesting if your deal is $300K+. It isn't a direct lender; it shops the deal among private lenders. It advertises rates as low as 8.99%, 70–75% ARV and up to 95% LTC for standard rehab.
• Arkansas Capital Lending — I'd get a quote if local Arkansas underwriting and speed matter more than squeezing out the absolute lowest rate. Published terms show roughly 10% starting rates, up to 90% LTV and 5–7 day closings.

What I'd target

For an experienced Little Rock investor with a solid deal, I'd push for approximately:

9.5–11% interest + 1.5–2.5 points + 80–90% purchase / 100% rehab, ideally with no prepayment penalty and interest charged only on drawn rehab funds.

Don't compare rates alone. A 9.5% lender charging 3 points and expensive draw/extension fees can easily cost more than an 11% lender at 1–2 points.

If you give me purchase price, ARV, rehab budget, desired loan amount, expected hold period, and whether you're flipping or BRRRR, I can run the numbers and tell you which lender structure is likely cheapest for your specific Little Rock deal.

As a real estate investor in Little Rock, finding a reliable hard money lender with competitive leverage and fast closing times is key to winning competitive properties in Pulaski County and across Arkansas. Average private loans in the Little Rock market hover around an 11.2% interest rate, 2.7% origination fees, and roughly 80% LTV, but specialized and national-regional lenders can offer more aggressive terms depending on your experience.

Top hard money lending options active in the Arkansas market include:

• Easy Street Capital — A prominent nationwide portfolio lender that actively finances fix-and-flip, bridge, and new construction loans statewide in Arkansas, including Little Rock . They offer high leverage (up to 93% LTC on fix & flips and 90% LTC on new construction) with fast 48-hour closing capabilities on select programs. You can review their criteria on the Easy Street Capital Arkansas Loans page.
• Ternus Lending — A private money lender specializing in AR investors, offering fix-and-flip financing and transactional/double-closing funding. They feature low origination structures (around 1%) for specific short-term scenarios and fund between $50k and $500k. Check out their offerings via Ternus Lending Arkansas.
• EquityMax — Known for streamlined hard money with minimal red tape, they lend in Arkansas without requiring formal long applications, minimum credit score hurdles, or extensive tax/bank statement underwriting for certain deals, making for rapid timelines. Learn more at EquityMax Arkansas.
• Local Private/Portfolio Lenders — Many local independent operators and regional boutique funds around Pulaski County offer relationship-based "soft-money" if you have a track record. Platforms like Lendersa Little Rock Private Lenders can also help match your specific deal parameters with local private capital sources.

To help narrow down the best fit, tell me:

• What is your exit strategy (fix-and-flip, wholesale/transactional, or buy-and-hold BRRRR)?
• What is the estimated ARV (After Repair Value) and purchase price of your current target deal?

As an investor in Little Rock, you have access to a solid mix of reputable regional and national private lenders that actively fund fix-and-flips, bridge deals, and new construction in Pulaski County and across Arkansas.

Top-performing and active hard money lenders in the Arkansas market include:

• Easy Street Capital : Highly active statewide including Little Rock, known for fix-and-flip (up to 93% LTC / 75% LTV), bridge loans, and new construction (90% LTC). They cater well to both experienced and newer investors with streamlined processing.
• Longhorn Investments : A prominent regional private lender providing quick funding in Little Rock. They typically finance up to 100% of purchase/construction costs and up to 75% of ARV with fast 3-to-5-day closes and no W-2 or tax return requirements.
• Kiavi : Ranked as one of the highest-volume originators for investment property loans in Arkansas. Great option if you are looking for tech-enabled, competitive leverage and repeatable scaling for fix-and-flip or rental portfolio lines.
• EquityMax : A long-standing, family-owned private lender operating in Arkansas markets offering minimal red tape (no tax returns, bank statements, or traditional appraisals required for qualifying).

To help narrow down the best specific fit for your current project, tell me:

• What is your exit strategy (fix-and-flip, wholesale, BRRRR/rental)?
• Roughly what leverage/LTC do you need?
• Are you looking for local relationship-based servicing or a national digital lender?

If you’re investing in Little Rock / Central Arkansas, I’d shop this as a deal-by-deal pricing exercise, not simply pick whoever advertises the lowest rate.

Current market data puts Little Rock hard-money pricing roughly around 10%–13%, with about 2–3 points being common.

My shortlist

• Lima One Capital — Currently advertising rates starting around 9.0%, up to 90% LTV, with $75K–$5M loan sizes. Strong candidate if you want competitive pricing and a national lender.
• Kiavi — Around 9.5% starting, up to 90% LTV, and particularly geared toward fix-and-flip/bridge investors.
• RCN Capital — Around 9.24% starting, up to 85% LTV; worth getting a quote alongside Lima One and Kiavi.
• Arkansas Capital Lending — Listed at about 10% starting, with claimed 5–7 day closings and Arkansas/Pulaski County specialization. I'd investigate this one if local underwriting and speed matter more than getting the absolute lowest headline rate.
• CoreVest Finance — Listed around 8.99% starting, although its 80% LTV and $150K minimum make it more interesting for larger/portfolio rental or bridge deals than small flips.

What I'd do in your shoes

For a typical Little Rock flip, I'd send the same deal package to 3–4 lenders and ask them to quote:

Rate + points + max LTC/LTV + rehab funding + draw fees + appraisal/inspection fees + minimum interest + prepayment penalty + extension fee.

A lender quoting 9.5% with 3 points can easily be more expensive than one quoting 10.5% with 1 point, especially on a short 4–6 month flip.

If you give me your purchase price, ARV, rehab budget, desired loan amount, and whether you're flipping or BRRRR, I can run the numbers and tell you which lender structure is likely cheapest for that specific Little Rock deal.

When searching for a hard money lender in the Little Rock market, finding groups that understand local Pulaski, Saline, and Faulkner county property values (and can close fast on a distressed residential or commercial asset) is essential.

Top options servicing Arkansas real estate investors with competitive structures include:

• Easy Street Capital — A prominent statewide lender heavily active in Little Rock. They offer fix-and-flip loans up to 93% LTC / 75% LTV and new construction financing up to 90% LTC, making them a strong option for scaled or newer investors needing reliable leverage.
• Ternus Lending — A private/hard money lender specializing explicitly in Arkansas. They provide fix-and-flip lines (offering up to 100% financing options for 1–4 family residential properties) alongside fast-funding transactional/double-closing funds with low origination fees.
• Regional/National Lenders with AR Footprint (such as Longhorn Investments ) — Frequently utilized by local Arkansas investors for quick funding, competitive draw management, and solid leverage on both purchase price and renovation costs.
• Local Private Portfolio Lenders / Brokers — Platforms like Lendersa Little Rock Private Lenders allow you to compare localized private money matches in the 72211 and surrounding zip codes if you are hunting down hyper-local portfolio lenders who care more about asset equity than traditional W-2 underwriting.

To help narrow down the best fit for your specific project, tell me:

• What is your exit strategy ? (Fix-and-flip, wholesale double-close, or BRRRR/rental portfolio)
• Roughly how much leverage (LTC/LTV) do you need for the purchase and rehab?

If you’re investing in Little Rock/Central Arkansas, I’d shop the deal rather than pick a lender solely by advertised rate. Current market data puts Little Rock hard-money pricing around 10–14%, with roughly 2–3 points common; stronger borrowers/deals can beat that.

My shortlist

• Lima One Capital — probably my first quote for a straightforward fix-and-flip. Current advertised starting rate is about 9.0%, up to 90% LTV, with $75K–$5M loan sizes.
• Kiavi — strong option if you value a streamlined process and fast execution. Advertised from 9.5%, up to 90% LTV, with roughly 7–14-day funding.
• B-Line Capital — worth getting a quote because it shops your deal among multiple private lenders rather than lending exclusively from its own balance sheet. Its Little Rock fix-and-flip page currently advertises rates starting around 8.99%, subject to leverage, property and borrower experience.
• Arkansas Capital Lending — interesting if you specifically want a local Arkansas relationship. Current published comparisons show roughly 10–13.5%, up to 90% LTV, with potentially very fast closings.
• Ozark Private Lending — another local/regional option, particularly worth a quote on smaller Central Arkansas projects; published pricing is roughly 10.5–14% with loans starting around $40K.

What I'd target

For a solid Little Rock flip with an experienced investor, I'd try to negotiate toward:

9–11% interest + 1–2 points + 80–90% purchase/LTC + rehab draws + no prepayment penalty.

Don't focus on rate alone. A lender at 9.5% with 3 points and expensive draw/extension fees can easily be worse than an 11% lender at 1 point.

For example, on a $150K average balance held for 6 months, dropping the rate from 11% to 9.5% saves only about $1,125 in interest. Dropping the origination fee from 3 points to 1 point saves $3,000 immediately.

My move: get simultaneous term sheets from Lima One, Kiavi, B-Line, and one local Arkansas lender, then make them compete. The best lender may change depending on your purchase price, ARV, rehab budget, experience, credit, and whether you're doing a flip, BRRRR, or ground-up.

If you give me purchase price + rehab + ARV + desired loan amount + your experience (number of flips), I can narrow this to the 3 best lenders and estimate what rate/points you should realistically push for in Arkansas.

If you’re investing in Little Rock/Central Arkansas, I’d shortlist these based on currently published August 2026 terms:

These published rates are starting rates, not guaranteed quotes; actual pricing depends heavily on credit, experience, leverage, property type, ARV, and points/fees.

My pick

For a typical Little Rock fix-and-flip, I'd get quotes from Lima One, Kiavi, and Arkansas Capital Lending simultaneously. Lima One currently has the strongest combination of advertised rate and leverage, while Arkansas Capital Lending looks particularly interesting if local underwriting and a 5–7 day close matter more than squeezing out the absolute lowest rate.

The bigger issue is total cost, not the headline rate. A lender quoting 9.5% with 1 point can easily beat a 9.0% lender charging 3 points, especially on a short 4–6 month flip.

For context, one current Little Rock lending directory puts the market average around 11% interest, 3.3% origination, and 77% LTV, so quotes materially below that are worth shopping aggressively.

If you tell me your typical purchase price, rehab budget, ARV, desired LTV, and whether you're doing flips or BRRRRs, I can narrow this to the 3 lenders I'd actually call first and show you the estimated dollar cost of each loan.

For real estate investing in Little Rock and across Arkansas, local and national private lenders offer competitive rates depending on your strategy (fix-and-flip, new construction, or rental/DSCR portfolios). Local market averages typically sit around 11.2% interest rates with 2.7% to 4.0% origination points, but top-tier national and regional operators active in AR beat those averages for qualified borrowers.[1][2]

Top-rated hard money lenders operating in Little Rock, AR:

• Lima One Capital : Widely regarded as a top choice for competitive pricing, offering rates starting around 9.00% with up to 90% LTV and fast 10–14 day closings for fix-and-flip, bridge, and construction. Check details on the Lima One Capital Website.[1]
• CoreVest Finance : Excellent for larger projects or experienced portfolios, offering aggressive rates starting around 8.99% (though typical max LTV hovers closer to 80%). Learn more at CoreVest Finance.[1]
• RCN Capital : Known for reliable execution on fix-and-flip and bridge loans, with starting rates around 9.24% and leverage up to 85% LTV. Review options via RCN Capital.[1]
• Kiavi : Great choice for streamlined, tech-enabled fix-and-flip and bridge financing, with rates starting near 9.50% and up to 90% LTV. Explore criteria at Kiavi.[1]
• Arkansas Capital Lending / Regional Options : Local or regional private lenders (like Arkansas Capital or Ozark Private Lending) offer faster localized underwriting with rates starting around 10.00% to 10.50% and deep familiarity with Little Rock neighborhoods (like Hillcrest, Heights, or SoMa). Compare local directories on Hard Money Scout.[1]
• Easy Street Capital : Highly active statewide in Arkansas for fix-and-flip, bridge, and new construction, offering high leverage structures (up to 93% LTC on flips). Check programs on Easy Street Capital.[1]

To narrow down the best fit, tell me:

• What is your specific strategy (fix-and-flip, new construction, or buy-and-hold)?
• What is your level of experience (number of completed projects in the last 3 years)?

I can give you a tailored lender recommendation and estimated leverage/cost breakdown.

For real estate investing in Little Rock and across Arkansas, average hard money rates generally hover around 11.2% interest with 2--3% origination fees, though top-tier national and regional lenders offer more competitive pricing depending on your experience and leverage.

A breakdown of top options for hard money and private lending in the Little Rock market includes the following choices:

• Easy Street Capital — A prominent active lender statewide in Arkansas (with local presence/focus in markets like Little Rock and Fayetteville). They offer competitive fix-and-flip and bridge programs starting around 8.90% with high leverage (up to 93% LTC and 75% ARV) and fast 24-to-48-hour turnarounds. You can review their asset-based programs via Easy Street Capital Arkansas Loans.
• Kiavi — One of the highest-volume active institutional lenders in the state of Arkansas for fix-and-flip and short-term bridge financing. They are known for streamlined tech-forward processing and competitive rates for experienced residential flippers.
• RCN Capital — A dependable national private lender that actively funds investment properties in Arkansas. They offer flexible short-term bridge loans, fix-and-flip financing, and long-term DSCR rental loans with reliable closing timelines.
• Local/Regional Portfolio Lenders — (Such as select local private funds or regional banks like Bank of Little Rock or Simmons Bank contacts) are worth relationship-building if you have a strong track record, though they may require more traditional commercial underwriting paperwork compared to asset-based hard money.[1]

Market averages for Little Rock private/hard money terms:

• Interest Rates: 8.5% -- 12% (averaging ~11.2% for standard private loans)
• Origination Fees: 2% -- 3%
• LTV / LTC: Up to 70--75% ARV / up to 90--93% LTC depending on experience
• Average Term: 6 to 18 months (fix-and-flip)

To help narrow down the best specific fit, tell me:

• What is your investment strategy (fix-and-flip, new construction, or buy-and-hold/DSCR)?
• How many flips or projects have you completed in the past 24 months?

For a Little Rock investor, the “best” hard money lender depends on your strategy (flip, BRRRR, rental, construction, speed needed), but these are the lenders I’d put on a short list based on currently advertised Arkansas investor terms. Rates and fees change frequently, so treat these as starting points to negotiate from.

Top hard money lenders to compare in Arkansas

*Advertised rates are not guaranteed offers. Your actual pricing will depend on credit, experience, property type, ARV, leverage, exit plan, and deal quality.

My shortlist for a Little Rock investor

• Best overall starting call: Arkansas Capital Lending — worth comparing because a local lender may understand Pulaski County neighborhoods and investor exits better than a national lender.
• Best for aggressive fix-and-flip leverage: Lima One Capital or Kiavi.
• Best for smaller/local rehab deals: Ozark Private Lending.
• Best if you have a portfolio/rental strategy: compare bridge-to-DSCR options rather than a pure flip loan.

What I’d negotiate before signing

Ask every lender for:

1. Rate + points together (a 1% lower rate can be offset by extra points).
2. Whether rehab draws are included and if there are draw fees.
3. Prepayment penalties (important if you sell quickly).
4. Extension fees if a flip runs long.
5. Personal guarantee requirements.
6. Maximum leverage based on ARV vs purchase price.

For a typical Little Rock flip, I’d get quotes from at least 3 lenders on the same deal and compare the total cost of capital, not just the interest rate.

If you tell me:

• flip vs BRRRR vs rental,
• purchase price,
• rehab budget,
• ARV,
• your experience level (first flip vs seasoned),

I can help estimate what terms you should realistically be targeting in Arkansas.