Single Story House

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Row Of New Houses

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Private Lender based out of Atlanta, GA

Founded in 2018, Silliman Private Lending, based out of Atlanta, GA, serves the real estate investing community by providing quick and easy access to critical investment capital. We offer fix-and-flip loans at six- or 12-month terms, transactional funding and bridge funding for rentals. We also offer transaction lending for wholesalers and new construction lending for builders. With our streamlined underwriting process, we close deals within as quickly as 48 hours! Contact us today to discuss capital needed for your next investment.

Loan Types

Private Lending for Real Estate Investors and Developers

Cash flow and access to capital are common problems for real estate investors and house flippers. The more properties you have in your portfolio, the harder it is to get conventional funding. Many investors turn to a private lender to help them keep their enterprise growing, and Silliman Private Lending is here to help.

We offer an array of private loans to property investors, and developers in Atlanta, GA and across the United States, each with favorable rates and flexible terms. Because we only lend our funds, we’re able to work closely with investors to ensure their needs are met. We finance private loans for a broad array of situations, pertaining to properties of all types:



Duplex Building


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New Builds

Quadraplex Building


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Single Family

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Small Apartment Buildings

Townhome Buildings


Triplex Building


We strive to maintain our credibility and reputation as a hard money lender by thoroughly vetting our partners. We adhere to a specific set of criteria when evaluating loan applications, and we lend to proven investors with experience and a strong exit plan. This results in an extremely low default rate, enabling us to continue growing and assisting investors seeking capital from alternative lenders. Whether you’re a rehabber with a lucrative fix and flip on your hands or need a bridge loan to keep your property earning your money while working on conventional financing, Silliman Private Lending is ready to help. Consult with us today about your capital needs and see why we’re the hard money lender of choice for property investors.

We offer several types of short-term private loans to help investors close on properties.
With our streamlined underwriting process, we close deals within as quickly as 24 hours.
We specialize in single-family residential flips from $100,000 to $400,000.
We lend our own funds and can create a flexible structure that meets investors’ needs.
We work with all types of investors including, flippers, builders, buy and hold, among others.

Quick, Convenient Financing

If you need to secure funds quickly for your next real estate investment or fix-and-flip project, contact Silliman Private Lending today. Our flexible options ensure you get the cash you need.

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Frequently Asked Questions

What is a private lender and how do they differ from traditional lenders?

Private lenders are small companies or individuals that offer loan programs for real estate not typically offered by traditional mortgage lenders and banks. Private lenders supplement the lending market for real estate investors by extending quick and easy access to capital for investors when compared to traditional lenders. Loans from private lenders can be customized to suit your investment needs and often include additional funds for property renovations.

How do I find private lenders?

You can typically locate private lenders by searching the internet by the state you plan on investing in. E.g. “Private Lenders”. Another great way is by networking with other real estate professionals in your area to get recommendations. There are several private lender directories to find the right partner for your needs.

What types of loans do private lenders offer?

Private lenders offer business purpose loans for investment properties. The loan programs offered are typically bridge (shorter term) loans designed to help real estate investors implement strategies for acquisitions, wholesaling, cash out refinances, rehabs (flips), and ground up construction.

What are the advantages of borrowing from a private lender?

Borrowing from a private lender will offer the following advantages: Faster closings because of less red tape, asset-based underwriting to make it easier to qualify, generally a smaller amount of documentation is needed because private lenders don’t have to comply with the banking laws that a large tradition lender does, loan programs that are customizable to the borrower.

What are the typical interest rates and fees associated with private loans?

Private lending interest rates are typically from 10% to 13%. You will have some upfront Costs (out of pocket) to cover third party items like appraisals, credit reports, inspections, and budget evaluations. Closing fees consist of set fees ($1000 to $2000) regardless of loan size and origination fees (2% to 4%) that are based on the amount borrowed.

What collateral is typically required by private lenders?

Private Lenders will typically secure the subject property as collateral. It is just like a traditional mortgage utilizing a security deed that is filed at the time of closing.

How long does the lending process usually take with a private lender?

The private lending process is generally 3 to 21 days.

Can I borrow from a private lender if I have bad credit?

Maybe. Although credit requirements with private lenders are often more lenient than banks, the nature and timeframe of credit issues are still taken into consideration. It is best to obtain your credit scores, understand the credit issues that you may have, and reach out to a private lender to discuss your individual scenario.

Are private loans suitable for short-term or long-term borrowing?

Private loans are best suited to short-term borrowing. Most loans offered by private lenders are 12 months or less.

Can I refinance a loan from a private lender with a lender?

Yes. A private lender will provide the documents you will need for a traditional refinance like payoffs and mortgage history. Many private lenders offer extensions for additional origination fees without needing to complete a full refinance.

Are private lenders regulated and licensed?

Private lenders when regulated are by the state that the property financed is located in. State requirements vary and may or may not require them to have a license. Because the loans are business purpose loans, they are not subject to the same regulations and licensing requirements as traditional primary residence loans.

How do I evaluate the reputation and trustworthiness of a private lender?

You can first check how long they have been in business through the secretary of state and if they have reviews online from sources like google. You may also try speaking with previous clients either through your professional networks or by asking the lender for references. One of the biggest red flags is if they are asking for thousands of dollars up front that would not correlate with covering third party costs like credit reports and appraisals. Some upfront fees are to be expected but large upfront sums generally are a bad sign.

What documents or information do I need to provide when applying for a loan from a private lender?

Private Lenders will require three categories of documentation when applying for a loan.

-Business Documents-These are documents that establish the formation of your LLC or Corporation, that it is in good standing with the State(s) in which it operates, and who the members of the company are.
-Personal Documents-These are required for any owner/member of the entity that is applying for the loan. These will generally consist of driver’s licenses, bank statements, and income documentation.
-Subject Property Documents-These will vary depending on the type of financing you are applying for. These will be used by the lender to evaluate the investment strategy that you are implementing for the property. Common documents are purchase and sale agreements, rehab budgets, proof of insurance etc.

What kind of support and maintenance is provided for cloud services?

Cloud service providers typically offer various levels of support and maintenance for their services. This can include technical support, troubleshooting assistance, and regular updates to ensure security and performance. Service level agreements (SLAs) define the specific terms and conditions of support, outlining response times, availability guarantees, and other relevant details.

Can I negotiate the terms of a loan with a private lender?

Yes, depending on the private lender terms are flexible within a range based on the private lender’s cost of money. Private Lenders can work with you to customize a loan program that best suits your needs, which maximizes your use of funds to ultimately lower the fees.