Hard Money Loans · Georgia
Hard Money Loans for Georgia Real Estate Investors
Brey Lending is a local private lender funding real estate investors across metro Atlanta. We make short-term, first-position business loans on non-owner-occupied residential property, with decisions made locally and closings in about 3 to 5 days once documents and title are ready.
- Loan term3 to 12 months
- Lien positionFirst position
- ClosingAbout 3 to 5 days once documents and title are ready
- WhereThroughout Georgia with focus on the 21 metro Atlanta counties
Our loan programs
Choose the program that fits your deal, or call us and we'll help you decide.
Fix and Flip Loans
Purchase and rehab funding for investors renovating homes to resell or rent.
Learn more →Bridge and Gap Loans
Short-term funding between buying a new property and selling your current one, or to unlock equity in an investment property.
Learn more →EMD and Double-Close Funding
Earnest money loans for assignments and funding for A-B and B-C double closings.
Learn more →Small Commercial Loans
Financing typically from $100,000 to $1 million for smaller income producing or business purpose properties.
Learn more →What makes a Brey Lending loan different
Many institutional lenders route your file through departments, committees and call centers. We work differently:
- Minimal fees, stated up front, that don't change during the process
- Pricing, leverage and requirements explained early
- Decisions made locally, without layers of corporate approval
- Direct communication by phone, text, email or scheduled call
- Only the documentation needed to evaluate and close your deal
How it works
Tell us about the deal
Pre-apply online or call (470) 470-9894. Share the property, your plan and your exit strategy.
Talk with a decision-maker
A direct conversation about the property, you and the transaction, before a pile of paperwork.
Get clear terms
Pricing, fees and requirements explained early. We only ask for what's needed to close.
Close fast
Typically 3 to 5 days once documents and title are ready. We help coordinate title and insurance.
What to send us first
You do not need a perfect loan package to start. For an initial review, send us:
- Property address
- Your exit strategy (sell, hold and refinance, or assign)
- Target closing date
- Current photos or video of the property
We reply to general inquiries and pre-approval requests within 24 hours, and we will tell you what needs to be verified next.
Frequently asked questions
What is a hard money loan?
A short-term, business-purpose loan secured by investment real estate. Private lenders like Brey Lending focus on the property, your equity and your exit plan, which lets them decide and close faster than most banks.
Who can get a hard money loan from Brey Lending?
Real estate investors, fix and flippers and wholesalers buying or holding non-owner-occupied residential property in Georgia. We do not make owner-occupied consumer mortgages.
How long are your loans?
Our loans are short-term, first-position business loans with terms of 3 to 12 months.
How fast can you close?
Typically in 3 to 5 days once your documents and title are ready.
What are your rates?
We do not publish rates, because pricing depends on the property and the deal. We explain pricing, fees and requirements early, and our fees don't change during the process. Pre-apply or call for terms on your project.
Where do you lend?
Throughout Georgia with focus on the 21 metro Atlanta counties.
Ready to talk about your next deal?
Lending throughout Georgia with focus on the 21 metro Atlanta counties. See the areas we serve.