Atlanta Bridge Loans
Paces Funding is a true direct hard money lender providing bridge financing across metro Atlanta with our own capital — which means faster decisions, flexible terms, and a team that knows how fast the Atlanta market moves. No middlemen, no red tape, just short-term capital when you need to close quickly and figure out permanent financing later.
Bridge Financing Built for the Fast-Paced Atlanta Market
In a market as fast as Atlanta, timing is everything — and a bridge loan is how serious investors compete without being all-cash. When the right property comes up, you rarely have the luxury of waiting weeks for a bank. A bridge loan gives you short-term capital to close now, then transition to permanent financing, a sale, or a refinance once the deal is in hand.
Atlanta’s intown market especially rewards speed. Off-market deals, BRRRR transitions, 1031 exchange timing, and buy-before-you-sell situations all share the same problem: the opportunity closes on the seller’s timeline, not the bank’s. That’s exactly what bridge financing solves. Paces Funding underwrites on the asset — not a mountain of income docs — and closes fast, so you can move on a property with the confidence of a cash buyer and sort out the long-term financing afterward.
Whether you’re pulling equity out of a stabilized rental to fund your next acquisition, bridging between a purchase and a sale, or holding a property while you reposition it, Paces Funding has the capital and the local knowledge to fund it.
Why Choose Paces Funding as Your Atlanta Bridge Lender?
Our bridge loan programs are built for real estate investors who need prompt, convenient, and flexible financing. As a direct lender using our own funds across Georgia, Florida, North Carolina, South Carolina, Tennessee, Texas, and Virginia, we deliver quick decisions tailored to the specifics of your Atlanta deal. We’re focused on building long-term relationships — putting your success ahead of any single transaction.
Our loans are versatile and cover the full range of investor needs: residential, new construction, cash-out home equity, commercial, fix-and-flip, and rehab projects. From acquisition through your exit, we’re with you the whole way.
Fast Turnaround
– Close in as little as one day
Asset Based Lender
– We lend on the project, not just your credit
Flexible Draw Schedules
– Structured around your timeline
Less Paperwork
– Streamlined loan process
Atlanta Bridge Loan Terms
Finance your ground-up Atlanta build with a hard money construction loan.
LOW Credit Minimums
NO Prepayment Penalty
Loans to Company or LLC
11% – 14% Interest Rates
Loan fee of 2.75-4.5 Points
Term – 12 Months
$0 Doc Fee
Loans from $25,000 to $20,000,000
Interest only payments
Milestone-based draw schedule
Lenders Title Policy Required
Close in 2 weeks
We’re all about your success! Think of us as your partners in every project, providing the tools and advice you need to thrive. As the largest new construction money lender using our own funds in the Atlanta, Georgia area, we make speedy decisions tailored to your project. Everyone we work with gets treated with respect because we’re focused on building relationships, not just making deals. Have more questions? Contact us!
We care about YOUR success
Our Loan Process
APPLY
ONLINE
Get started by filling out our easy loan application.
APPLICATION
REVIEW
Once we receive your completed application, we will review the application and one of our experienced loan officers will call you to discuss any additional information we may need.
ADDITIONAL
DOCUMENTS
After the Application review, the next step is for you to submit your purchase contract and renovation list. During this step we will also provide you with a Good Faith Estimate to review and approve.
PROCESSING &
UNDERWRITING
Once the Good Faith Estimate has been approved, we will then order an appraisal and title. Our construction manager will visit the property with the borrower to go over the bid sheet and construction that will be performed on the property.
CLOSING
& FUNDING
At this time we will set up the closing with our preferred attorney and send over the closing instructions/documents along with the wire to fund the transaction. The borrower is required to provide the necessary property insurance prior to closing.
The Atlanta Bridge Loan Market in 2026
Demand for bridge financing has stayed strong across Atlanta heading into 2026, and the reason is simple: in a market where good deals move fast and permanent financing takes time, short-term capital is often the difference between closing and missing out. As investors navigate a shifting rate environment, bridge loans give them a way to act now and finalize long-term financing once conditions or the property support it.
A few dynamics Atlanta investors should keep in view this year:
Speed is key.
Atlanta’s intown submarkets — Edgewood, Kirkwood, East Point, College Park, and the BeltLine-adjacent corridors — move on the seller’s timeline. Bridge financing lets you compete with cash buyers and win deals that conventional financing simply can’t close in time.
Value-add and repositioning drive demand.
A large share of Atlanta bridge activity comes from investors repositioning properties — buying, improving, and stabilizing before refinancing into permanent debt. The metro’s steady rent growth and population gains give lenders and investors confidence in those renovation-driven exit strategies.
Bridge-to-refinance and BRRRR are everywhere.
Many Atlanta investors use bridge capital to pull equity out of a stabilized rental to fund the next acquisition, or to carry a property through the improvement phase before a longer-term DSCR or conventional refinance. The flexibility to move without forcing a premature refinance is a real strategic advantage.
Your exit matters just as much as your entry.
Because a bridge loan is short-term by design, the strength of your exit — sale, refinance, or permanent financing — is what makes the deal work. We help you think that through up front, not after the fact.
Atlanta Bridge Loan FAQ’s
How quick can you fund?
We have funded properties as quickly as 1 day. If there are no unusual circumstances (i.e. title issues, all required documents in hand), then the closing can proceed as soon as the appraisal has been completed and title is cleared. Usually this can be accomplished within 1 week to 10 days. You do your best and we will respond in kind.
How quick can you fund?
We have funded properties as quickly as 1 day. If there are no unusual circumstances (i.e. title issues, all required documents in hand), then the closing can proceed as soon as the appraisal has been completed and title is cleared. Usually this can be accomplished within 1 week to 10 days. You do your best and we will respond in kind.
Where do you loan?
We currently lend throughout the Southeast. Other markets will be added soon. If you have a project in another market, contact us and we’ll discuss if we can lend on it.
Do you make permanent loans?
Why are your rates so much higher than banks?
Do you make personal loans?
No. We only make loans for commercial, business and investment purposes.
Will you finance commercial properties or apartments?
We will look at multifamily projects from 2 units to 200 and more. Bring us office buildings, retail, industrial, lots to be developed, and new construction.
Does my credit matter?
Will you finance commercial properties or apartments?
I’ve been turned down at banks, is it possible for me to get a loan from Paces Funding?
What do LTV and ARV mean?
These are acronyms for loan to value (LTV) – the value of the property in relation to the loan on the property and after-repaired-value (ARV) – the value of the property after all improvements or construction has been completed.