Atlanta Fix and Flip Loans
Paces Funding is a true direct hard money lender funding fix-and-flip loans across metro Atlanta with our own capital — which means faster decisions, flexible terms, and a team that actually knows the Atlanta market. No middlemen, no red tape, just the funding you need to close your next Atlanta flip.
Fix and Flip Financing — Built for the Atlanta Market
Atlanta leads every major U.S. metro in flip activity, with flipped homes making up roughly 12–13% of all sales. For investors, that means deep inventory and plenty of buyers, but also real competition — where speed to close separates the operators who win from the ones who sit on the sidelines. When you’re up against seasoned Atlanta flippers for the same property, a slow lender costs you the deal. Paces Funding closes fast, as quickly as one day in the right circumstances, so you can make offers with confidence.
The fundamentals back it up heading into 2026. Renovation labor runs below the national average, and Georgia carries lower insurance and property tax costs than Sunbelt rivals like Florida and Texas — so more of your spread survives to the bottom line. With strong job growth keeping buyer demand broad and secondary submarkets still offering entry points under $325,000, Paces Funding has the local knowledge and the capital to fund your project.
Why Choose Paces Funding as Your Atlanta Fix and Flip Loan Lender?
Our fix and flip 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 project. 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 renovation budgeting and project milestones, we’re with you the whole way.
Fast Turnaround
– Close in as little as one day
Asset Based Lender
– Priced for serious investors
Competitive Rates
– We lend on the deal, not just credit
Less Paperwork
– Streamlined loan process
Atlanta Fix and Flip Loan Terms
Renovate, rehab, and resell your Atlanta property with a hard money 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
Up to 70% ARV
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 biggest direct hard 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 Fix and Flip Market in 2026
Investor sentiment across the fix-and-flip space has turned notably more optimistic heading into 2026, driven by stabilizing home prices, easing financing costs, and slowing inventory growth nationally. For Atlanta specifically, the picture is one of a maturing, balanced market rather than a boom or a bust — which is arguably the healthiest environment a disciplined flipper can ask for.
At Paces Funding, we’ve been lending across the Southeast long enough to understand these dynamics firsthand. We don’t just cut a check — we work with you to make sure the deal makes sense, because your success is what keeps us in business too.
A few conditions Atlanta investors should have on their radar this year:
Inventory is loosening, which creates opportunity.
Atlanta added roughly 31% more new listings in early 2026 than the year prior, and a meaningful share of sellers are cutting asking prices. More inventory and more motivated sellers mean more room to buy at a real discount — the single most important factor in a profitable flip.
Margins reward discipline.
With Atlanta’s high flip rate comes real competition, and deals underwritten on peak comps or fast absorption are getting exposed. The operators winning in this market are buying at conservative valuations, budgeting realistically, and executing renovations quickly to keep carrying costs down. Financing your deal with a lender who understands renovation timelines helps protect that margin.
Exit flexibility is a strategic advantage.
Atlanta’s strong rental demand means a flip that doesn’t sell immediately can often be converted to a rental hold rather than becoming a fire sale. That optionality lowers your risk, and it’s part of why Atlanta remains one of the most resilient investor markets in the Southeast.
Submarkets matter more than metro averages.
With the median Atlanta home price stabilizing around $415,000, the real opportunities are neighborhood-specific — from the more affordable southwest-quadrant neighborhoods to the intown pockets near the BeltLine where knockdown-rebuild and heavy-rehab activity stays strong. Knowing your block-level comps is everything.
Atlanta Fix and Flip 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.