Real Estate Lending & Investment

Specialized Real Estate Capital.
Strong Local Fundamentals.

Urban Gate Capital is a Nashville-based real estate investment company providing private loans for experienced borrowers and access to real estate-backed investment opportunities for accredited investors.

$75M+

LOAN VOLUME

300+

LOAN TRANSACTIONS

$100M+

IN ACQUISITIONS

30 Years

OF COMBINED EXPERIENCE

ABOUT

We combine lending, acquisitions, and asset-level experience under one roof, helping borrowers move quickly and giving investors a direct path to participate in real estate opportunities across Tennessee and the Southeast.

PLATFORM

Two pathways to work with UrbanGate

Private Lending

Fast, flexible capital for real estate investors who need a lending partner that understands the deal. We finance fix-and-flip, construction, bridge, land, and select commercial projects with practical underwriting and direct communication.

EQUITY

01

Explore Loan Programs

02

Investment Opportunities

Invest alongside an experienced Nashville-based team through private loans and real estate acquisitions. Our platform is built for accredited investors seeking real estate-backed income and carefully underwritten opportunities.

CREDIT
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Approach

Why UrbanGate

Operator-minded underwriting.

We look beyond a checklist and evaluate the property, business plan, budget, exit strategy, and borrower experience.

Local market conviction.

Our roots are in Middle Tennessee, with a focus on Nashville and high-growth Southeast markets.

Aligned relationships.

Borrowers, investors, and partners work directly with a team that values speed, clarity, and long-term trust.

Testimonials

What our Borrowers Say

  • We continue to be impressed by UrbanGate's speed and transparency. They don't waste any time and their process is streamlined. I routinely brag to other investors about our access to capital through UrbanGate.

    —Patrick Hanlon

  • Our favorite lender to work with in Tennessee. The owners are great people and consistently do everything they can to work with their borrowers to make each loan happen. Thanks as always UrbanGate team.

    —Parker McCracken

  • This company does a phenomenal job. They are always professional, responsive, and knowledgeable. I highly recommend UrbanGate to anyone who is looking for a trustworthy company.

    —James McDonald

  • UrbanGate helped us with a 100% real estate purchase loan, had fair rates and points on the loan. We were happy to do business with them and will be using them again in the future.

    —Samuel Lyman

  • Fantastic lender/partner! Great communication, fair, good + transparent pricing, fast, they have it all! Definitely give UrbanGate a shot, you’ll be happy you did .

    —Former Customer

  • Absolutely fantastic Lender that I try to use on all of my flips. We have done many deals together, and they have always been absolutely excellent and amazing. The communication is off the charts, and I highly recommend any investor needing Hard Money in TN to use them!!

    —Caleb Luketic

  • Definitely your go-to lenders in Tennessee! Great terms, quick closes, very simple process. If you’re not working with Urban Gate, you’re not working with the best!

    —Jeff Henry

  • Great local lender, would highly recommend!

    —Wyatt Chittenden

  • Highly recommend working with UrbanGate. Very transparent and professional! I’ve been very impressed with their attention to detail and level of personalized care!

    —Trey Chandler

  • Urban Gate continues to be our top lender! Service is always next level!

    —Darren Light

  • Love these guys, really truth worthy, easy to work with and high integrity.

    —Morgan Less

GET STARTED

Ready to put capital to work?

Whether you are borrowing on your next project or exploring private real estate investments, our team is ready to talk.

Become an Investor
Submit a Deal