GEORGIA PRIVATE REAL ESTATE LENDING
Private Real Estate Funding Throughout Georgia for Real Estate Investors
Local decisions. Direct access. Faster closings. Straightforward terms.
Brey Lending provides short term, first position financing for investment property purchases, renovations, and bridge needs throughout Georgia. Our primary focus is 21 counties in and around Atlanta, and we review eligible opportunities elsewhere in the state. Work directly with a Georgia lender who reviews the deal and tells you what it will take to close.
No application. No appraisal needed. Send us the property and your plan to get started.
LENDING SOLUTIONS
Funding for Georgia investors, fix and flippers and wholesalers
We work with investors purchasing or refinancing non-owner-occupied properties. We look for a sound property, meaningful borrower equity, a workable budget, and a clear exit strategy.
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Fix and Flip Loans
Purchase and renovation financing for an investment property you plan to sell or refinance.
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Bridge Loans
Short term gap financing when you need time to execute a sale, renovation, or refinance.
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Small Commercial Loans
Financing for eligible income producing or business purpose properties, typically from $100,000 to $1 million.
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Transactional Funding
EMD and double-close financing for eligible transactions.
WHY BREY LENDING
A local lender, not a loan department
You won’t be passed between departments or forced through a complicated corporate process. You work directly with a local Georgia lender who understands your deal, communicates clearly and helps move your project from opportunity to closing.
Fees stated up front
Brey Lending keeps fees minimal and tells you them early, and they don’t change. Many institutional lenders may add 1 to 2 extra points on top of rate and term.
Terms that don’t shift
Pricing, leverage and requirements are explained at the start. With many large lenders, rate and term can change after appraisal.
Closings in about 3 to 5 days
Once documents and title are ready, we move fast. Appraisals, processing queues and committee approvals add time elsewhere.
Local decisions, direct access
Talk to the decision-maker by phone, text or email, not a call center or a chain of departments.
A conversation before paperwork
We start by talking through the property, you and the deal, and only ask for what’s needed to close.
MEET JIM GILLESPIE
Your trusted partner in residential real estate finance
“Brey Lending isn’t just about scaling a large lending operation; it’s about crafting a boutique lending experience. Our goal is to remain small and agile, prioritizing responsiveness and fostering robust borrower relationships.”
Jim brings 25 years of meeting customer needs across corporate and entrepreneurial roles, and he and his wife actively invest in single-family homes in Georgia.
Our values: integrity, respect, diligence, persistence and compassion.
HOW IT WORKS
From first conversation to closing, with one local contact
1. Tell us about the deal
Pre-apply online or call. Share the property, your plan and your exit strategy.
2. Talk with a decision-maker
A direct conversation about the property, you and the transaction, before a pile of paperwork.
3. Get clear terms
Pricing, fees and requirements explained early. We only ask for what’s needed to close.
4. Close fast
Typically 3 to 5 days once documents and title are ready. We help coordinate title and insurance.
PAST DEALS
Projects we’ve funded
See how Brey helped Georgia investors finance purchases, renovations, and time sensitive transactions.
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![Interior of a house under renovation with new wall framing]()
Stonecrest, GA
Purchase and rehab: $180,000 purchase on a $240,000 value (75% LTV). Brey Lending funded $155,000 and 100% of the rehab through draws. Refinanced in about 6 months.
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![A hallway under construction with unfinished drywall, scattered debris on the floor, a piece of wood leaning against the wall, and a partially open door at the end.]()
Lilburn, GA
Fix-and-flip bridge loan: $310,000 on a $465,000 value (66% LTV). The borrower completed the rehab, sold the property and repaid in full in 6 months.
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![Contractor installing new siding during a house renovation]()
Conyers, GA
Purchase and rehab: $242,000 on a $359,000 value (67% LTV). Brey Lending funded $200,000 for the acquisition. Sold and repaid in full in about 7 months.
Have a property under contract or a deal you are evaluating?
Start with the basics. We will tell you what needs to be verified next.
TESTIMONIALS
What Georgia investors say about Brey Lending
Investors count on us to close fast so they can keep their word to sellers.
INSIGHTS
Insights for Georgia real estate investors
Practical guides on bridge loans, private lending and getting your deal funded. Read all insights →
FREE REPORT
7 Steps to Guaranteed Hard Money Loan Approval
A practical checklist from Brey Lending on how to present your deal so a lender can say yes faster.
Find the right project
Executive summary with exit strategy
Full loan application
Comparable sales and pictures
Contractor estimate and scope of work
Bring something of value to the table
Perform, perform, perform
FAQ
Common questions
Quick answers about where we lend, who we fund and how fast we close. See all questions →
Where does Brey Lending lend?
Throughout Georgia with focus on the 21 metro Atlanta counties, from Fulton, Cobb and Gwinnett to Forsyth, Cherokee and Hall. See every area we serve.
Who can borrow from Brey Lending?
Real estate investors, fix-and-flippers and wholesalers buying non-owner-occupied residential property. Our loans are business-purpose loans, not consumer mortgages.
How fast can you close?
Typically in 3–5 days once your documents and title are ready. As a local private lender, we make decisions in-house, without committees.
What loan terms do you offer?
Short-term, first-position business loans of 3–12 months for fix-and-flip, bridge and gap financing, plus capital partnerships and EMD / double-close funding. Call us for current pricing on your deal.
How soon will I hear back?
We reply to general inquiries and pre-approval requests within 24 hours. Start your pre-approval.
GET IN TOUCH
Talk with a local lender
Questions about a deal or our loans? Send us a note and we’ll reply within 24 hours.
Ready for a pre-approval? Pre-apply here and hear back within 24 hours, or call (470) 470-9894.
Connect with Brey Lending