Capital for Real Estate Investors Who Move Fast

PRIVATE REAL ESTATE LENDING

Urban Gate Capital provides private lending solutions for investors, builders, and operators across Tennessee and the Southeast. Our lending team understands the pace of real estate transactions and works to give borrowers clear terms, responsive communication, and practical execution.

LOAN PRODUCTS

We review each deal around the fundamentals:

  • property address

  • project scope

  • budget

  • timeline

  • borrower plan

  • exit strategy

❋ Single Family Fix and Flip

Short-term financing for investors acquiring and improving residential properties for resale.

❋ Construction

Capital for single-family construction projects, with an emphasis on strong locations, clear budgets, and experienced execution.

❋ Commercial Bridge

Bridge financing for select commercial and multifamily properties, including acquisition, renovation, stabilization, and refinance strategies.

❋ Land

Financing for select land opportunities, with a preference for Middle Tennessee and properties near Nashville.

❋ RV Parks

Flexible financing for RV park acquisitions, expansions, and value-add projects.

❋ Mobile Home Parks

Financing for mobile home park acquisitions and improvement plans in select markets.

How It Works

Our Borrower Process

STEP 1

Submit Your Deal

Send the property address, deal summary, budget, timeline, business plan, and exit strategy.

STEP 2

Move Toward Closing

Once a complete package is received, our team reviews the request and issues a term sheet within 24 hours.

STEP 3

Underwriting & Documentation

Within 48 hours, our team reviews the property, borrower plan, collateral, budget, and closing timeline, then provides terms and outlines the documentation needed to move forward.

STEP 4

Close and Execute

Once approved, we work with the borrower and closing team to fund efficiently. Most deals can close within 7-10 business days, with expedited closings available when timing and diligence allow.

What We Look For

Invest with Urbangate

+ Realistic budget and timeline

+ Strong collateral position

+ Borrower experience

+ Credible execution plan

+ Defined exit strategy

+ Clear scope of work

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

FREQUENTLY ASKED QUESTIONS

FAQ

  • We lend on single family homes, multifamily properties, mobile homes, RV parks, raw land, commercial properties, and more. If you have an unusual property and you’re not sure whether we’d lend on it, please reach out and ask!

  • For most deals, we simply need the contract, current photos of the property, and an itemized rehab budget. 

  • We can fund up to 95% of project cost. This varies between deals, as each must meet our underwriting standards to qualify for the maximum 95%.

  • No. We can only fund 95% of project costs on deals that meet the right underwriting standards. We will always quote the best leverage we can do on every deal.

  • Each loan comes with four one-month extensions. Each one-month extension costs 0.5% which is due at payoff, not at the time you take the extension. Extensions are designed to be a backstop in case something unexpected happens with the project.

  • You will pay the origination fee as well as pro-rated interest for the month of closing, which could be between 1-4% of the total loan amount.

  • For repeat borrowers, we can close in just two days when needed. For first-time borrowers we recommend a closing timeline of at least one week.

  • We do lend on land. However we very rarely put any money towards horizontal development costs, as we prefer the borrower to pay those.

GET STARTED

Have a project that needs private capital?

Complete the borrower form and include the property address, deal description, rehab budget, timeline, and exit strategy. A member of our team will follow up.

Will Coleman
Investor Relations

WILL@URBANGATECAPITAL.COM
205-420-2856

Jonathan Booker
Borrower Communications

JONATHAN@URBANGATECAPITAL.COM
205-420-2856

Submit Your Deal
Submit Your Deal