FUND YOUR NEXT DEAL—WITHOUT THE BANKSLOWING YOU DOWN.
Fast, investor-focused financing for fix & flips and rentals. Close in days, not weeks.
No obligation. Fast response. Direct lender.
INVESTORS DON'T LOSE DEALS
BECAUSE OF BAD OPPORTUNITIES.
They lose them because of slow, restrictive capital. The financing world wasn't built for investors who move fast.
Banks take 30–60 days
By the time a bank approves your deal, the seller has moved on. Traditional timelines kill real estate opportunities.
Red tape at every turn
Tax returns. W2s. Proof of income. Traditional lenders treat investors like homebuyers—but your deal doesn't fit their box.
Hard money lenders retrade
They say "yes" to get you in the door, then change the terms at the last minute—leaving you scrambling at closing.
By the time funding is ready— the deal is gone.
WE UNDERSTAND HOW
INVESTORS OPERATE.
We're not a bank. We're not a broker. At SG Capital, we work with deals every day—and we know what makes a deal fundable. We focus on three things:
If those align — we move fast. Our streamlined process gets you from application to funded in days, not weeks.
Speed You Can Count On
We understand that in real estate, timing is everything. Our streamlined process gets you from application to funding in days, not weeks.
Direct Lender — No Middlemen
Southern Ground Capital is a direct private lender. We make our own decisions, which means faster approvals and no broker fees eating into your returns.
Dedicated Loan Specialists
Every borrower is assigned a dedicated specialist who knows your deal inside and out. Real people, real answers — not a call center.
Nationwide Lending
We lend across the United States, bringing the same speed and expertise to every market. Wherever your deal is, we're there — coast to coast.
Flexible Terms
Cookie-cutter loans don't work for every deal. We offer flexible terms, creative structures, and common-sense underwriting.
Proven Track Record
Over $500M in funded loans across hundreds of projects. Our borrowers come back deal after deal because we deliver on our promises.
HOW IT WORKS
We've streamlined the lending process so you can focus on finding great deals, not chasing paperwork.
Submit Your Deal
Send us the property details — purchase price, rehab budget, and ARV. Our form takes less than 3 minutes.
Get Terms Fast
Clear numbers within 24–48 hours. No obligation. No hidden fees. Just a straightforward term sheet so you can decide.
Close & Execute
We fund so you can focus on the project — not the paperwork. Many deals close in 5–10 business days.
No credit pull required to get started.
CAPITAL FOR EVERY
REAL ESTATE STRATEGY
From quick flips to long-term rentals, Southern Ground Capital has a lending solution built for serious investors.
Fix & Flip
Buy, Renovate, Profit.
Fast capital for property acquisition and renovation. We fund up to 90% LTC and 75% ARV so you can move quickly on the best deals.
DSCR Loans
Qualify on Cash Flow, Not Income.
Debt Service Coverage Ratio loans for rental property investors. No personal income verification required — qualify based on the property's rental income.
Bridge Loans
Bridge the Gap. Seize the Deal.
Short-term bridge financing for transitional properties. Ideal for investors who need to close fast while arranging permanent financing.
New Construction
Ground-Up Financing Done Right.
Fund your ground-up construction projects with draw-based financing. We work with builders and developers on residential and small commercial projects.
Multi-Family
Scale Your Portfolio.
Financing for 2–20 unit residential investment properties. Whether you're acquiring, refinancing, or value-adding, we have a program for you.
Cash-Out Refi
Unlock Your Equity.
Access the equity in your existing investment properties. Use the cash for new acquisitions, renovations, or business capital.
Not sure which program fits your deal?
REAL RESULTS.
REAL INVESTORS.
A Georgia-based investor came to us with a tight timeline and a solid deal. We funded within the week — no surprises, no retrading. Four months later, they walked away with a profit without tying up a dollar of personal capital.
Investor secured profit sold in 4 months — without tying up personal capital.
THE STAKES ARE REAL.
You miss deals while waiting on slow capital
You lose deposits when funding falls through
You stay stuck doing fewer deals than you're capable of
Move fast on opportunities before they're gone
Scale your deal volume with reliable capital
Build a portfolio without using your own cash
WE'RE A STRONG FIT
IF YOU'RE A…
1–4 Unit Investors
Buying residential investment properties and need fast, flexible funding.
Fix & Flip Operators
Doing 1–10+ deals a year and need a lender who keeps up with your pace.
Rental Portfolio Builders
Growing a cash-flow portfolio and want long-term DSCR financing.
Investors Who Know Their Numbers
You understand your ARV, your spread, and your exit. We move when you're ready.
Submit your deal or get pre-approved today. Our team responds within 24 hours — no credit pull required to get started.
ESTIMATE YOUR
LOAN COSTS
Use our quick calculator to get a rough estimate of your monthly interest payments and total loan cost. For an exact quote tailored to your deal, speak with a specialist.
QUICK ESTIMATOR
* This is an estimate only. Actual rates, fees, and terms depend on deal specifics, LTV, and borrower profile.
WHAT OUR BORROWERS
ARE SAYING
"Southern Ground Capital funded my fix and flip in 6 days. I had another lender fall through at the last minute, and SGC stepped in and saved the deal. Their team was responsive, professional, and delivered exactly what they promised. I've done 4 deals with them since."
"As a rental portfolio investor, the DSCR loan program was exactly what I needed. No W-2s, no tax returns — just the property's cash flow. SGC made it simple and closed in under 3 weeks. I've already refinanced two more properties through them."
"I've worked with a lot of hard money lenders over the years. Southern Ground Capital is different — they actually understand construction draws and timelines. The draw process was smooth, communication was excellent, and they funded every draw on schedule."
WE LEND
NATIONWIDE
Southern Ground Capital provides private lending solutions across the United States, with a few exceptions noted below.
UNITED STATES COVERAGE
State Availability Map
*** We do not currently lend in the following states:
All other U.S. states and Washington D.C. are eligible. Contact us to confirm availability for your specific property location.
GROW TOGETHER.
GET REWARDED.
Join the Southern Ground Capital affiliate program and earn competitive referral commissions on every deal you bring us. We close fast, pay promptly, and treat your clients right.
Become an AffiliateEarn Commissions
Get paid on every funded deal you refer to our network.
Dedicated Support
Your own account manager to help you close deals faster.
Fast Closings
We close in days, not weeks — keeping your clients happy.
READY TO FUND
YOUR NEXT DEAL?
Submit your information and a Southern Ground Capital loan specialist will reach out within 24 hours to discuss your deal and provide a no-obligation quote.