Private Credit & Hard Money Lending
Lower Towns funds real estate investors in the Chattanooga, TN area with speed, flexibility, and no red tape. Fix & flip, new construction, bridge loans — no red tape, no runaround.
Loan Programs
We structure loans around your project — not the other way around.
Acquire and renovate residential properties with a single short-term loan covering purchase and rehab costs. Fast closings let you move on deals before the competition.
Ground-up construction financing for builders and developers. Draw schedules aligned to your build timeline, with capital released as milestones are reached.
Short-term bridge financing to move quickly on an acquisition while your long-term financing is arranged. Don't lose a great deal to a slow lender.
Every deal is different. If your situation doesn't fit a standard box — unusual structure, mixed-use, land, or something in between — pitch it to us anyway. We're open to creative deals and will give you a straight answer.
Why Lower Towns
We're not a bank. We're Chattanooga-based private capital — putting local money to work in local neighborhoods. We know these markets because we live and invest here too. That means faster decisions, common-sense underwriting, and someone who actually picks up the phone.
Pre-approvals in 24 hours. Closings in as few as 5 days. We know deals have deadlines.
We lend on the deal, not just the borrower. Strong credit helps, but the property speaks loudest.
The more we work together, the smoother it gets. Long-term partners enjoy streamlined terms and priority service.
No surprise fees or last-minute changes. We tell you exactly what to expect before you sign anything.
We live and invest in Chattanooga too. When this city grows, we all win — and that's exactly the point.
Typical Bank
Lower Towns Capital
How It Works
A streamlined process designed to get you funded fast.
Fill out our simple contact form or give us a call. Share the basics — property address, loan amount needed, and your exit strategy.
We review your deal and respond within 24 hours with a pre-approval and term sheet. No lengthy applications or committee reviews.
We order an appraisal or BPO, review title, and confirm the scope of work. We keep this lean so it doesn't slow you down.
Sign your loan documents, fund through title, and get to work. Your dedicated point of contact is available throughout the life of your loan.
Get In Touch
Fill out the form and we'll get back to you within one business day with a clear answer — no runaround, no automated phone trees.
Lower Towns, LLC is a private lender serving the Chattanooga, TN area. Loans are for non-owner-occupied investment properties only. All loans subject to underwriting approval.