Atlanta | $225K Bridge Loan | 60% LTV | 4-Month Term | SBA Exit
Looking for a serious private or hard money lender — not a broker, not a middleman. If you fund your own deals or have a direct relationship with a capital source, let's talk.
THE NUMBERS
• Collateral: Atlanta residential property
• Appraised value: $1,700,000 (March 2026)
• Existing debt: $755,000 (1st mortgage $605K + HELOC $150K)
• Loan requested: $200,000
• Total LTV at close: 60%
• Equity cushion: $745,000
THE BORROWER
• $300K+ annual income from stable consulting contracts (15+ years, same client base)
• Net worth: $1.69M
• Three properties owned (primary + 2 investment)
• Owner of The PM Group, an established consulting firm
• Debt service coverage: can cover this loan 10x over from income alone
USE OF FUNDS
• $125K: Build-out completion for Pour Intentions, a wine bar in Atlanta
• $75K: Operating reserves
EXIT STRATEGY (this is the strength of the deal)
Primary: SBA 7(a) loan of $350,000 closing May–June 2026. Bridge loan gets paid off in full immediately from SBA proceeds. This is not speculative — the SBA process is already underway. SBA Term sheet has already been provided.
Secondary: $77,000 Tenant Improvement refund expected March 2026.
Backup: HELOC refinance on collateral property.
Three clear exits. Short duration. Real equity.
TERMS SOUGHT
• Amount: $200,000
• Term: 4–5 months
• Rate: 10–12%
• Points: 2–3
• Payments: Interest-only monthly
• Prepayment penalty: None
I'm ready to close quickly and can provide full documentation immediately: appraisal, title, income verification, SBA status, business plan, and references.
If you're a direct lender who works with asset-based deals in the Southeast, reach out. I'll send a full package within 24 hours.
NOTE: I am not working with brokers or paying upfront fees of any kind. Direct lenders only.