Hard Money Lenders Alpharetta

Rates Starting at 10%

West Forest Capital is a trusted hard money lender based in Alpharetta, providing financing for real estate deals up to $3 million. We’ve earned recognition as the fastest hard money lender in Alpharetta due to our awareness of how important every hour can be in the state’s hot real estate market.

We are a direct lender, not a broker
Same day pre-approval
Funding in 3–5 days, sometimes as fast as 1 day
Loan amounts up to $5 million

Property Types

Lending Parameters

Loan Size	$100,000 to $5,000,000
LTC	Up to 80% of purchase price
Rehab Funding	100%
LTV	Up to 70% of the ARV
Term	Standard is 12 months. 24-36 months is available
Lien	First lien; second lien as additional collateral only
Interest Rate	10%–12.5%
Points	1.5–2% of the loan amount

Counties Covered

West Forest Capital lends in the following counties in Georgia:

Fulton County
Gwinnett County
Cobb County
DeKalb County
Chatham County
Clayton County
Cherokee County
Forsyth County
Henry County
Hall County
Richmond County

Recently Funded Hard Money Loans

Jersey City, NJ

Newark, NJ

Elizabeth, NJ

Why Use a Hard Money Loan

If you need funding fast. Unlike traditional lenders that can take months to approve a loan, West Forest Capital delivers same-day approvals and can fund in 3 to 5 days. In truly urgent cases, we can even release funds within 24 hours.
If the property isn’t stabilized. Sometimes, the issue isn’t urgency, but the condition or status of the property. If it’s under renovation, lacks a CO, or shows weak rental performance, a bank likely won’t lend. That’s where hard money lenders like West Forest Capital can help.
If you have poor credit. West Forest Capital takes a flexible approach to lending, knowing that credit scores don’t tell the full story. We focus on the property’s current or future value, not your FICO score or income-to-debt ratio.
If you don’t want to take a loan in your personal name. A conventional bank may only work with individuals, not entities. If you prefer to buy through an LLC or your portfolio is too large for personal financing, a hard money loan may be the right fit.

Why Choose An Alpharetta Hard Money Lender

Our goal is simple: to be the best hard money lender in Alpharetta. Specifically, we focus on the vibrant and growing market of Alpharetta and its neighboring northern suburbs. With a strong pulse on investment activity, real estate demand, and demographic shifts, we offer fast, reliable capital to real estate investors throughout this area.

In Alpharetta, we provide direct hard money loans on residential and mixed-use properties, whether it’s a rehab opportunity or new acquisition. We also finance deals in nearby high-demand areas like Johns Creek, Roswell, Milton, Cumming, and Sandy Springs. For investors focused on fix-and-flip or rental portfolios, our local knowledge allows us to move quickly and close efficiently.

With Alpharetta’s strong school zones, high-income demographics, and business-friendly environment, it’s a prime location for value-driven real estate investment—and we’re here to help fund it.

Financing your Alpharettta Investment Property

Alpharetta has emerged as one of Georgia’s premier suburban business hubs, experiencing steady economic growth driven by a blend of corporate investment and a thriving tech sector. The area’s favorable business climate and high quality of life have helped it attract a wide base of professionals and families, creating a strong and stable economic foundation. This sustained growth has naturally led to rising demand for housing and commercial spaces—a fact made obvious by the increasingly busy intersections and packed commuting corridors. Although more traffic may test local patience, the resulting opportunities for real estate investors are tremendous.

We invite you to capitalize on Alpharetta’s upward momentum and Georgia’s investor-friendly policies. Whether your strategy includes acquiring underperforming properties for repositioning, value-add residential conversions, or stabilized commercial assets, we can provide the fast, reliable financing to make it happen. Our lending covers all asset types—from townhome developments and SFR flips to larger retail or office acquisitions across the North Fulton corridor.

Asset-backed Lender Focused on Customized Solutions

Thanks to our in-depth knowledge of Alpharetta’s real estate lending landscape, West Forest Capital is able to structure hard money loans with the flexibility today’s investors need. Whether you’re financing a residential flip in a quiet neighborhood or redeveloping a small office complex near North Point Parkway, we lend primarily based on the value of the asset. In certain cases, this can mean 100% financing for both the acquisition and rehab—when additional collateral is pledged.

We’re proud to offer the longest hard money loan term available in the industry: up to 3 years. For investors in Alpharetta who are holding properties longer for stabilization or market timing, this product offers a unique solution that bridges the gap between fast capital and long-term funding.

Give us a call to see how we can support your Alpharetta real estate investment goals.

Borrower interview

Interview with our client, Mike, in Massachusetts

Listen to our interview with Mike, a software engineer from Massachusetts, who started in real estate to provide himself with some passive income.

Hard Money Lender Alpharetta: Frequently Asked Questions

What are hard money lenders?

Hard money lenders operate outside of the traditional banking system and are known for offering asset-backed loans. Although both banks and hard money lenders provide mortgage options, the criteria they use differ greatly. Where banks often require extensive documentation and borrower qualification, hard money lenders are more focused on the value and potential of the property itself. This results in an expedited underwriting process, often allowing Alpharetta investors to receive funding in a matter of days—not months.

Private money loans are particularly beneficial in Alpharetta for real estate investors seeking quick closes, such as those involved in auctions or foreclosure deals. Banks typically won’t finance properties without a Certificate of Occupancy or those in need of substantial repairs, which makes hard money lending an ideal solution. Even individuals with challenged credit histories can qualify, as lending decisions hinge on property value rather than FICO scores. These lenders also offer strategic refinancing and cash-out opportunities.

For investors in Alpharetta, we’re proud to be a trusted hard money lender ready to support your next real estate transaction with speed and reliability.

How do hard money loans work?

Obtaining a hard money loan, such as one in Alpharetta, is notably faster and easier than the traditional mortgage process, but it comes with a higher cost in terms of interest. Typically, interest rates for these loans fall between 10 and 12%, with an additional 2 points charged at the time of closing. These loans usually come with a term of 1 or 2 years, and the funds are allocated in two primary parts:

Funds for the purchase, typically covering 70 to 85% of the purchase price.
Funds for rehabilitation, if necessary, which may cover up to 100% of the renovation costs.

If renovations are required, the disbursement of funds occurs in stages, after parts of the rehab work are completed. For example, if $50,000 is allocated for rehab, the borrower would finish $15,000 worth of work before requesting $15,000 in funding from the lender, repeating this process until the rehab is complete. In Alpharetta, hard money loans are widely used for bridge financing, fix-and-flip projects, and commercial real estate loans. These loans are structured to ensure the total amount (purchase and rehab) doesn’t exceed 65% of the property’s after-repair value (ARV). In competitive markets like Alpharetta, where speed is key to securing prime investment opportunities, hard money loans provide an essential funding solution.

What do hard money lenders look for?

A hard money loan is regarded as a commercial loan, meaning that hard money lenders are unable to lend to individual borrowers and instead lend exclusively to LLCs. However, if you don’t yet have an LLC, creating one is straightforward, and it can be done with just a single member (you).

In the lending process, hard money lenders focus on both the purchase price and the after-repair value (ARV) to ensure they’ll be able to recoup their investment. It’s essential that the property is purchased either below or at market value. If you’re also seeking funding for renovations, the lender will require that the repairs are completed according to the agreed schedule and within the allocated time frame. Moreover, the title of the property must be clean. Any liens or judgments on the property or the LLC applying for the loan (remember, it must be an LLC) must be cleared before the loan funds can be disbursed.

The hard money lender’s goal is to ensure that your investment project is profitable, as they depend on your success for repayment. To make sure that you have a reasonable chance of profitability, the lender will ensure there is sufficient “spread” in the deal. This means that the ARV should cover not only the purchase price and rehab costs, but also interest payments, closing fees, and any other associated costs, leaving enough room for you to make a profit on your investment.

What is hard money used for?

Hard money lending is most often used by Alpharetta real estate investors in the following scenarios:

To purchase and rehab properties (including rental homes) in neighborhoods like Downtown Alpharetta or North Point, where traditional banks might not approve loans due to property conditions or borrower credit, with plans to resell the renovated properties to retail buyers. This method is widely known as “fix and flip.”
To acquire and improve properties that banks typically avoid, such as those in suburban areas around Windward or Avalon, which are then rented out. Once these properties are stabilized, they can be refinanced with a traditional bank at a much lower rate.
To purchase properties in rapidly-developing parts of Alpharetta that must be secured quickly (e.g., through foreclosure auctions), where traditional banks cannot provide fast enough financing. Hard money lenders can often close deals in a week, whereas banks could take months.
To access quick cash-out refinancing for an investment property in Alpharetta’s upscale neighborhoods, where substantial equity may already be built into the home.
To refinance another loan on a property due to come due in Alpharetta’s northern suburbs, especially for larger properties with potential for value appreciation.