Alabama Hard Money Lender — Birmingham & Statewide

Fix and Flip Loans Near You.
100%
 Financing
 Available.

Hard money = fast, asset-based loans from a private lender — not a bank. We cover 100% of your purchase AND rehab costs. Close in 5–10 business days. No tax returns, no W-2s, no 1099s. No prepayment penalty.

I Have a Deal → Get Pre-Approved First → 📞 205-605-9423

Already have a property under contract? Use the first button.  |  Just getting started? Get pre-approved in 5 min.

100% Purchase + Rehab Covered
5–10 Day Close
600 Min Credit Score
$0 Prepay Penalty
Loan Programs

Funding for Every Strategy

Whether you're flipping, holding, or bridging — we have asset-based financing that works the way investors need it to work.

F&F

Fix & Flip Loans

Up to 70% of ARV. Finance 100% of purchase + rehab. 9-month term with optional 3-month extension. Interest-only payments. Close in days, not weeks.


Learn More →
BR

Bridge Loans

Short-term capital to acquire or reposition properties while you line up permanent financing. Minimize out-of-pocket costs and keep deals moving.


Talk to Jeremy →
BRRRR

Rental / BRRRR Loans

Up to 75% of ARV for rental acquisitions. BRRRR = Buy, Rehab, Rent, Refinance, Repeat — a strategy where you use hard money to buy and fix the property, then refinance into a long-term rental loan once it's stabilized.


Talk to Jeremy →
Why Alabama Flip Loans

Local Knowledge. National Backing.

I'm a Birmingham-based investor and realtor who works with Longhorn Investments — one of the nation's top hard money lenders. You get local market expertise plus institutional lending power.

AL

Actually Local

I live and invest in Birmingham. I know Ensley, East Lake, Woodlawn, Hoover, and every other submarket. When you call, you talk to someone who knows your deal's neighborhood.

FAST

Close in Days

Longhorn closes in 3–5 business days. Sometimes 24 hours. Banks take 30–60 days and still say no. We move at the speed investors actually need.

100%

100% Financing

Most hard money lenders fund the purchase OR the rehab. We cover both — up to 100% of total cost. One of the only programs in Alabama doing this.

How the Numbers Work

Sample Flip Loan Math

Hard money only makes sense when the spread is real. Here is the kind of deal structure we are looking for.

Example Deal

Purchase price $125,000
Rehab budget $45,000
Total project cost $170,000
After Repair Value $255,000

Loan Fit

70% of ARV $178,500
Max available loan $170,000
Purchase + rehab coverage 100%
This deal can pencil because total cost stays under 70% of ARV.
Jeremy Galloway — Hard Money Loan Consultant, Birmingham AL
Your Local Consultant

Jeremy Galloway

I'm a Birmingham-based realtor, real estate investor, and hard money loan consultant for Longhorn Investments. I help Alabama investors structure fix-and-flip deals, run ARV analysis, and secure funding fast — without the bank runaround.

When you work with me, you're not calling an 800 number and talking to someone in Texas who's never seen your neighborhood. You're talking to someone who's driven the street, understands the comps, and can tell you whether a deal pencils before you tie up your earnest money.

My job is to make sure you get funded, get closed, and get to the next deal.

Birmingham, AL Licensed Realtor RE Investor Longhorn Investments Hard Money Consultant

More About Jeremy →
Funded & Closed

Recent Alabama Deals

A sample of loans closed in the last 12 months across Alabama.

24+
Deals Closed
12 Mo
Trailing Period
8+
Alabama Markets
100%
Financing Available
Pleasant Grove, AL
356 Pleasant Grove Rd
Purchase $123,900 ARV $276,000 +122% +122%
Closed June 2026
Birmingham, AL
304 Eaton Cir
Purchase $253,000 ARV $449,500 +77%
Closed June 2026
Birmingham, AL
108 Remington Rd
Purchase $103,000 ARV $217,000 +110%
Closed June 2026
Gardendale, AL
521 Foxfire Dr
Purchase $150,000 ARV $243,000 +62%
Closed May 2026
Center Point, AL
765 Gable Dr
Purchase $139,000 ARV $254,000 +82%
Closed May 2026
Hoover, AL
1845 Valgreen Ln
Purchase $210,000 ARV $392,000 +86%
Closed May 2025
Trussville, AL
113 Woodland Cir
Purchase $220,000 ARV $435,000 +97%
Closed May 2025
Birmingham, AL
717 Arrow Rd
Purchase $145,000 ARV $295,000 +103%
Closed Nov 2025
Bessemer, AL
2839 Novel Dr
Purchase $119,800 ARV $253,000 +111%
Closed Apr 2026
Alabaster, AL
30 Monte Tierra Trl
Purchase $149,900 ARV $263,000
Closed Apr 2026
Birmingham, AL
3624 Norwood Blvd
Purchase $80,000 ARV $274,000
Closed Mar 2026
Leeds, AL
8620 Mohring Pl
Purchase $139,000 ARV $262,000
Closed Sep 2025

Showing 12 of 24+ deals closed in the last 12 months. ARV reflects appraised value at time of loan origination.

Service Area

Serving Investors Across Alabama

Hard money lenders for flipping houses statewide — not just Birmingham.

Birmingham
Huntsville
Montgomery
Mobile
Hoover
Tuscaloosa
Homewood
Vestavia Hills
Jefferson County
Shelby County
Madison County
All of Alabama

Ready to Fund Your Next Flip?

Tell me about your deal — purchase price, rehab budget, ARV — and I'll walk you through the numbers. No obligation.

Submit Your Deal 📞 205-605-9423
Call Jeremy Apply