Hard money lenders for Nashville home flipping

If you're flipping houses in Nashville and don't have much cash to put down, I'd focus on hard money lenders that finance both the purchase and renovation costs, rather than lenders that only offer a bridge loan.

I researched Nashville-area options and Tennessee lenders for October 2026. There isn't one lender that's best for every deal, but I'd start by comparing a local private lender with a national fix-and-flip specialist. The biggest difference for you will be how much cash you need to bring to closing.

My shortlist for Nashville house flippers

1. Nashville Money Guys

(Start here if cash is tight)

They advertise financing of up to 100% of purchase and rehab costs, with first-time investors eligible. Their published fix-and-flip pricing starts at 12% interest plus 3 points. However, their FAQ says a single-property loan generally tops out at 65% of the property's value, unless additional collateral is available. That distinction matters if you have little cash.nashvillemoneyguys.com+2

Nashville · (615) 358-8820

Official fix-and-flip loan page

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2. Scale Private Capital

A local direct lender for investors who want deal-focused underwriting. It publishes pricing of 12% interest plus 3 points, says it doesn't require a minimum credit score, and reports that most deals close in about nine days. It's worth asking whether your specific deal qualifies with limited cash.www.scaleprivatecapital.com+1

Nashville · (615) 989-0020

Official website

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3. UrbanGate Capital

A Nashville-based option for fix-and-flip, construction and bridge financing. Its approach considers the property, renovation budget, exit plan and borrower experience. Ask directly about its minimum equity contribution and whether it will finance your full project.www.urbangatecapital.com+1

Nashville, TN

Official website

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4. Lima One Capital

A national alternative if you want to compare a local lender against a larger lending operation. Its Nashville programs include fix-and-flip, bridge and rental financing. A market directory reports advertised rates starting at 9% and maximum leverage up to 90%, although actual terms depend on the deal.www.hardmoneyscout.com+1

Nashville lender comparison

What matters most when you don't have cash

Don't choose based on the interest rate alone. Ask each lender for a written term sheet answering these questions:

• Cash to close: Exactly how much money must I bring, including closing costs and points?
• Purchase financing: What percentage of the purchase price will you fund?
• Rehab funding: Do you cover the full renovation budget, and are funds released in draws after work is completed?
• Experience: Will you finance a first-time flipper?
• Exit plan: How long is the loan term, and what happens if the property takes longer to sell?
• Total cost: What are the interest, origination points, extension fees and prepayment penalties?

One important caution: "100% financing" doesn't necessarily mean zero cash out of pocket. A lender might cover the purchase and rehab budget but still require you to cover costs at closing, reserves or an appraisal shortfall.nashvillemoneyguys.com+2

Let me narrow this down to the best fit for your deal

Answer what you know; estimates are fine.

1. Have you flipped a house before?

No, this would be my first flip

Yes, 1–3 flips

Yes, several flips completed

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2. How much cash can you put into the deal?

Absolutely $0

$0–$5,000

$5,000–$15,000

$15,000+

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3. What's your target purchase price?

Under $150,000

$150,000–$250,000

$250,000–$400,000

$400,000+

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4. What are you buying?

Single-family house

Condo or townhouse

Duplex or multifamily

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5. What do you need the lender to cover?

Purchase price and renovation costs

Purchase price only

I already own the property

[Find lenders for my situation]

For flipping houses in Nashville, I’d focus on lenders that specifically finance fix-and-flip projects, including both the property purchase and renovation costs—not just conventional investment-property mortgages.

Based on current lender listings and local business ratings, I’d start by comparing a Nashville-area private lender with an established national lender. The key is finding competitive rates, enough rehab financing, and a realistic closing timeline.

My top hard money lender picks for Nashville

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1. Capital Fund 1

(Best overall starting point)

Brentwood, TN · Local office

A strong option for investors who prioritize fast funding and rehab financing. Its published programs advertise rates starting at 8.99% for experienced investors and up to 100% of rehab costs, subject to program eligibility.capitalfund1.com+1

• Best for: Investors who want a repeatable financing partner.

• Ask about: Which program is available for your first or next flip.

• Website:capitalfund1.com

  Local listing: 4.6/5 from 21 reviews.www.google.com.tr

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2. Nashville Money Guys

203 Point East Drive, Nashville, TN

My pick if you prefer a local lender familiar with Tennessee investment projects. The company advertises closing in 10 days or less and features testimonials from local flippers.nashvillemoneyguys.com

• Best for: Local guidance and potentially flexible deal structures.

• Ask about: Interest rate, origination points, rehab draw schedule and extension fees.

• Phone: 615-358-8820

• Website:nashvillemoneyguys.com

  Local listing: 5.0/5 from 9 reviews.www.google.com

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3. Lima One Capital

National lender serving Tennessee

Worth comparing if you plan to scale beyond one property. It offers fix-and-flip, bridge, rental and construction financing for real estate investors.www.yelp.com+2

• Best for: Investors who want multiple financing options as their portfolio grows.

• Ask about: Current Nashville pricing, experience requirements and renovation funding.

• Phone: 800-390-4212

• Website:limaone.com

  Note: A local listing shows 2.1/5 from 9 reviews, a small sample worth weighing against the lender's actual written terms and references.www.yelp.com+1

What rates and costs should you expect?

Current Nashville lender listings show advertised starting rates broadly around 9%–10% for some programs, although your actual quote could be higher.capitalfund1.com+1

Important: Don't choose based on the advertised rate alone. Compare the total cash required at closing and the full cost if your flip takes two or three months longer than planned.

Let's narrow this down to the best lender for your deal

I can make a more targeted recommendation if you tell me a little about your situation.

1. Have you flipped houses before?

No, this will be my first flip

I've completed 1–4 flips

I've completed 5 or more flips

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2. What purchase price are you targeting?

Under $200,000

$200,000–$350,000

$350,000–$500,000

$500,000+

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3. How much cash can you put toward the deal?

Under $25,000

$25,000–$50,000

$50,000–$100,000

$100,000+

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4. Approximate credit score?

Below 620

620–679

680–699

700+

Not sure / prefer not to say

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5. What's your exit plan?

Renovate and sell

Renovate and rent/refinance

Either, depending on the deal

[Find my best financing options]