Short-term private money loans designed to move at the speed of the market — with terms straight from the underwriting desk.
━━━━━ Investment
Fix & Flip
Maximize your returns on short-term property investments with Avalon Capital’s flexible fix and flip financing.
Loan Term
6 months
Interest Rate
12% annually (paid at 1% monthly)
Loan Amount
75% LTV based on after-repair value (ARV) Up to 100% of purchase price and rehab cost
ORIGINATION FEE
5%
Renewal
One 6 month renewal at 18.75%, no loan renewal fee
━━━━━ Investment
new construction
Build with confidence and maximize your returns with Avalon Capital’s flexible new construction financing designed for real estate investors.
Loan Term
6 months
Interest Rate
12% annually (paid at 1% monthly)
LOAN AMOUNT
75% LTV based on after-repair value (ARV) Up to 100% of purchase price and rehab cost
ORIGINATION FEE
5%
RENEWAL
One 6 month renewal at 18.75%, no loan renewal fee. Prequalification letter from take-out lender required
━━━━━ Investment
Transactional Funding
Avalon's Transactional funding provides real estate investors with short-term capital to close double-close and back-to-back transactions with ease. We cover 100% of the purchase price plus closing costs, so you never need to tie up your own funds.
Loan Amount
100% of Purchase price plus closing costs
ORIGINATION FEE
1 to 2%
━━━━━ Investment
Bridge Loans
Bridge the gap between your current property and your next opportunity with Avalon Capital's straightforward bridge loan financing.
Loan Term
6 months
Interest Rate
12% annually (paid at 1% monthly)
LOAN AMOUNT
75% LTV based on after-repair value (ARV) Up to 100% of purchase price and rehab cost
ORIGINATION FEE
5%
RENEWAL
One 6 month renewal at 18.75%, no loan renewal fee. Prequalification letter from take-out lender required
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
Posted on Google
AC Consulting
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I have used Avalon Capital multiple times and the team is amazing! Highly recommend
Posted on Google
William Stevenson
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Smooth and quick.. that’s what investors are looking for.. thanks team Avalon
Posted on Google
Melanie Murphy
Trustindex verifies that the original source of the review is Google.
Quick, professional, and friendly. I typically need to close in 7 - 10 business days and they always deliver.
Posted on Google
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!
Posted on Google
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
Posted on Google
Hannah Kim
Trustindex verifies that the original source of the review is Google.
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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Fast and Easy Approvals for Memphis Real Estate Investors
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.
Watch Welcome Video & Book a Call
Complete Borrower Info Form
Attend welcome meeting
Get Access to Borrower Portal
Complete Loan Intake Form Inside Portal
03 ━━━━━ Evaluate Your Property
Get a Free Property Evaluation Report
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.
Property Evaluation Request
━━━━━ Experience
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.
30+
Years combined
24 HR
Typical Loan Approval
75%
ARV lending
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.
We request a soft pull credit check that does not affect your credit score.
No, our loans are strictly for investment properties. We cannot make a loan to someone who will live in the property.
Typically, no but we can consider them.
Yes, for well qualified builders/contractors.
Minimal fire damage may be acceptable.
Yes, you may purchase in the name of your LLC or your personal name.
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.
