Say goodbye to missed deals and slow bank approvals. Avalon Capital provides fast, flexible private money loans so Memphis real estate investors can close quickly and confidently.
Fast approvals — often within 24–48 hours
Flexible financing for fix & flips, rentals, and acquisitions
Why Avalon Capital for Your Memphis Real Estate Investments?
Avalon Capital is a trusted private lender helping Memphis real estate investors close faster, scale portfolios, and compete with cash buyers through reliable, asset-based financing.
Close in as little as 2 days
Investors choose Avalon Capital because we move fast. Our streamlined underwriting process allows qualified borrowers to receive approvals quickly and close on investment properties in as little as 48 hours, helping you secure deals before competitors do.
True Collateral-Based Lender
Unlike traditional banks, our loans are based on the value of the property, not your personal income. Avalon Capital offers private money loans up to 75% of After Repair Value (ARV). In certain scenarios, investors may be able to acquire properties with little to no money out of pocket.
In-house Underwriting and Investment Loan Approval
With in-house underwriting and deep knowledge of the Memphis real estate market, our team evaluates deals quickly and efficiently. This allows us to make fast, confident lending decisions without unnecessary delays or third-party bottlenecks.
Have an investment home you are interested in buying?
Simply provide your contact info and the property address below and we will email you a free market analysis report.
Competitive Private Lending Terms in Memphis
Avalon Capital offers straightforward, asset-based loan terms designed to help investors move quickly and maximize returns. Loan Terms Include:
Loan Term: 6 months
Interest rate: 12% annually (paid at 1% monthly)
Origination Fee: 5%
Additional 6 months at 18% annually (applies to month 7 to 12), no loan renewal fee.
Loan Type: Short-term private money loans
Use Case: Fix & flips, acquisitions, value-add properties
Hear From Our Satisfied Clients
I love working with Avalon! They strive to make the entire process easy and stress free! Claire is wonderful to work with, her communication is prompt and she is always willing to help in whatever way possible!
— Katie Land
I have been flipping homes since 1998. I began working with Avalon in early 2019, and have had nothing but great experiences with them. I'm currently at somewhere in the vicinity of 17 deals with Avalon so far in almost three years, with more planned soon. I've worked with a few other lenders over the years but none has come close to being as great to work with, as Avalon. Avalon is my go-to, and I highly recommend them above all other companies to every investor that I talk with!
— Van Preston
Avalon Capital has been great to work with.Very smooth process and no hoops or red tape to jump through. Avalon has helped me build my business and I highly recommend them!
— Thomas Johnson
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AC Consulting
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I have used Avalon Capital multiple times and the team is amazing! Highly recommend
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William Stevenson
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Smooth and quick.. that’s what investors are looking for.. thanks team Avalon
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Melanie Murphy
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Quick, professional, and friendly. I typically need to close in 7 - 10 business days and they always deliver.
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James Jones
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⭐⭐⭐⭐⭐
If you're looking for fast, reliable hard money in Shelby County, this is hands-down the company to go to. Time and time again, they deliver without fail — never a disappointment. Professional, consistent, and always on point. Highly recommend!
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Landkey LLC
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We had the pleasure of working with Robert and Claire, and they were both fantastic. From start to finish, the experience was seamless. They were professional, responsive, and kept us informed every step of the way.
It’s rare to find a lending partner that combines speed, transparency, and reliability but Avalon delivered on all fronts. I’d absolutely recommend them to any real estate investor looking for a smooth and dependable funding process.
Looking forward to working together again.
LandkeyLLC
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Hannah Kim
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The team at Avalon has been incredible to work with. They’re fast, professional, reliable, and maintain great communication throughout the entire process. Claire has been especially wonderful — she always answers my questions clearly and thoroughly, and ensures I fully understand every step. I can rest easy knowing I’m in good hands with Avalon. They stay on top of everything and make what could be a stressful process feel smooth and stress-free. I’m looking forward to working with them on future deals!
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Our Process
Our deep-rooted expertise in the Memphis real estate market allows us to quickly underwrite investment properties and make informed, timely private lending decisions for real estate investors.
In today’s competitive real estate investing landscape, speed matters. Slow financing approvals can cause investors to miss out on high-performing opportunities, especially in the Memphis real estate market where demand moves quickly.
Many investors find the right property, only to be delayed by traditional lenders. Lengthy approval timelines often result in lost deals, stalled projects, and unnecessary frustration.
Real Estate Experts with Over 30 Years of Experience
Avalon Capital is more than a private lender, we are seasoned experts in real estate investment financing. With over three decades of combined experience, we have helped real estate investors from around the world achieve profitable outcomes in the Memphis real estate market and beyond.
Our Professional Commitment
At Avalon Capital, professionalism is not just a promise; it's the cornerstone of our service.
We bring our expertise into every transaction. When you work with us, you're not just partnering with a lender; you're aligning with a team of real estate experts dedicated to your success.
Discover the ins and outs of private lending so that you can make informed decisions for your real estate investments.
Do you require a credit check?
No, as a private, asset based lender, we do not require a credit check.
Can I use your loan to purchase a home to live in?
No, our loans are strictly for investment properties. We cannot make a loan to someone who will live in the property.
Do you loan on apartments or office buildings?
No, we only make loans on single family residential properties.
Do you make loans for new construction?
No, we only loan on existing structures.
Do you loan on fire damaged properties?
No, fire damaged properties are not accepted.
May I purchase the property with my LLC or other entity?
Yes, you may purchase in the name of your LLC or your personal name.
Do I need title insurance? Homeowners insurance?
Yes, funding requires closing through a closing attorney/ title company. We will need a lender’s title policy as well as an owner’s title policy. Special homeowner’s insurance is required for the life of the loan to cover the full amount of the loan. This policy must cover- builder's risk and vacancy. Our company name must show on the policy as the Mortgagee.
Can I borrow money from a private lender?
Yes, you can borrow money from a private lender. They often provide flexible financing options and may result in an easier and faster loan approval process.
