Capital Lenders · Georgia
Invest & Earn Passive Returns in Georgia Real Estate.
Brey Lending works with private investors who want capital secured by Georgia real estate. We focus on creating strong, secure, and passive investment opportunities while helping borrowers revitalize homes and neighborhoods
How it works
Start a conversation
Tell us about your goals, your timeline, and how you would like to participate.
Review opportunities
We share the details of loans we have underwritten: the property, the borrower’s plan, and the proposed terms.
Fund and earn
Funds move through a title company or closing attorney at closing. Interest and repayment terms are set out in the loan documents for each loan.
What backs each loan
Every loan is backed by real property and reviewed before any capital is committed. These are the protections built into each one.
A first position lien
Each loan is secured by a first position security deed on a Georgia investment property, recorded at closing. If the borrower does not repay, the lender’s claim on the property comes ahead of later liens.
Borrower equity in the deal
Borrowers put their own cash into every project, and loans are sized against the property’s value. That cushion sits between the loan amount and what the property is worth.
A defined exit
Before funding, we review how the loan will be repaid, either through a sale or a refinance, and whether the timeline is realistic for the property and the market.
Renovation funds released in draws
When a loan includes rehab money, funds are released in stages as work is completed and verified, not all at once at closing.
Local underwriting
Jim Gillespie reviews each deal personally, with local knowledge of 21 counties in and around Atlanta.
Title review and a professional closing
Every loan closes through a Georgia title company or closing attorney, so title is checked and funds move through a neutral third party. Our own lending attorney also reviews every transaction (see below).
An added layer of protection
Every loan is also reviewed by our lending attorney
The closing company handles the closing and settlement. Our lending attorney works on the lender’s side, focused on the loan documents and on protecting your interests as a capital partner.
The closing company
- Conducts the closing and settlement
- Handles the title search and issues the title commitment
- Receives and disburses funds as a neutral third party
Our lending attorney
- Prepares and reviews the lender’s loan documents so they reflect the agreed loan terms
- Reviews the title commitment and proposed lender’s title insurance, including requirements and exceptions that could affect the lien
- Coordinates with the closing company to resolve any issues found in the loan documents or title review
Our standard: Brey Lending does not fund a loan without this review. Our attorney confirms the loan documents put our capital partners’ interests first and that title is clear before closing.
Who we work with
Our capital partners are people and organizations who prefer a hands-off role and want to know the lender behind each loan.
Individuals and families
Investors who want income secured by real estate without owning, managing, or renovating property themselves.
Retirement account investors
Investors using a self-directed IRA or similar account held by a custodian that allows private real estate loans.
Businesses and trusts
Companies, family trusts, and other entities looking for short term, real estate secured opportunities in Georgia.
Participation depends on investor eligibility and applicable securities rules. Jim will walk through what fits your situation before any commitment.
Capital lender questions
What is private lending with Brey Lending?
Private lending means your capital funds a short term loan to a real estate investor, and that loan is secured by the property. Brey Lending finds and underwrites the borrower, structures the loan, and coordinates the closing. You decide which loans to take part in.
How is my capital secured?
Each loan is secured by a first position security deed on a non-owner-occupied investment property in Georgia. Borrowers also have their own cash in the deal, and the loan is sized against the property’s value. Real estate secured loans still carry risk, including possible loss of principal.
Can I invest through my IRA or retirement account?
Often, yes. You will need a self-directed IRA or similar account with a custodian that allows private real estate loans. We work with your custodian on the paperwork needed to fund the loan from your account.
How and when am I paid?
Interest and repayment terms are set out in the documents for each loan. Principal is returned when the borrower repays, usually through a sale or refinance of the property.
How long is my money tied up?
Brey Lending makes short term loans, typically measured in months rather than years. The term of each loan is stated in its documents, and repayment can come sooner if the borrower sells or refinances early.
What happens if a borrower does not repay?
Brey Lending manages contact with the borrower and, if needed, enforcement of the security deed under Georgia law. Your rights and how proceeds are handled are set out in the loan documents. Recovery is not guaranteed, and timing and results can vary.
Do I have to manage anything?
No. Brey Lending handles underwriting, closing coordination, renovation draws, and loan servicing. Your role is to review each opportunity and decide whether to participate.
Can I reinvest when a loan pays off?
Yes, if you choose. When a loan is repaid, you can review a new opportunity and decide whether to fund it. Nothing is reinvested automatically.
Does an attorney review each loan?
Yes. Besides the title company or closing attorney that handles the closing, Brey Lending’s own lending attorney prepares and reviews the loan documents, reviews the title commitment and lender’s title insurance, and coordinates any fixes with the closing company. Brey Lending does not fund a loan without this review.
How do I get started?
Request investor information below or call Jim at (470) 470-9894. He will talk through your goals, answer questions, and explain how opportunities are shared.
Request investor information
Share your contact details and Jim will follow up personally.
This page is general information only and is not an offer to sell or a solicitation of an offer to buy any security. Any investment involves risk, including possible loss of principal. Terms for any opportunity are set out in its written documents.