Short-term purchase + rehab bridge loans for investors flipping properties in Alabama. Rates 9.5–12%, up to 100% loan-to-cost for premier borrowers, and 100% of your rehab budget financed via draws. Close in as little as 72 hours with clear title. SLA Capital has closed deals across every Alabama metro.
SLA Capital — a Sir Lends A Lot LLC Company
A Fix and Flip loan is short-term bridge financing used to purchase and rehabilitate a distressed property before selling or refinancing it. Loan size is anchored to the property's after-repair value (ARV) — not its current condition — so investors can finance both the acquisition and the renovation on a single loan. Rehab dollars are disbursed via draws as work is completed and inspected.
Alabama is a top cash-flow state in the Southeast. Huntsville tech and defense growth anchor sustained rental demand. Birmingham offers deep SFR inventory at affordable basis. Non-judicial foreclosure and landlord-friendly law keep holds projectable.
Huntsville has been among the fastest-growing US metros for years, driven by aerospace, defense, and technology employment around Redstone Arsenal, NASA's Marshall Space Flight Center, and Cummings Research Park.
Birmingham, Montgomery, and Alabama secondary markets offer entry price-points that make the rent-to-price math work. Real cash-on-cash returns even after debt service.
Alabama uses non-judicial foreclosure and has landlord-friendly statutes with predictable timelines. Holding costs stay projectable for cash-flow modeling.
Whether you're closing a single-asset SFR in a smaller Alabama market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Madison County — Redstone Arsenal + Cummings Research Park
Jefferson County — Hoover, Vestavia Hills, Trussville, Homewood
Mobile County — Gulf Coast SFR + small-multi
Montgomery County — state capital + Maxwell AFB demand
Tuscaloosa County — University of Alabama market
Lee County — Auburn University + Kia Georgia adjacencies
Southeast + Northeast Alabama secondary markets
Statewide coverage — send us any Alabama property
Same nationwide program, no state-specific surcharges.
Close in as little as 72 hours with clear title. The fastest funding in the field when your deal needs to move.
Points range 1–4. Transparent up-front pricing — no bait-and-switch, no surprise fees at the closing table.
Premier repeat borrowers qualify for up to 100% loan-to-cost. First-timers welcome — LTC scales with experience.
Full rehab budget financed and disbursed via draws after inspection. Photos + invoices approve same-day through our platform.
Choose the term that fits your project. Extensions available on active deals.
Loans from $55,000 up to $3,000,000. From cosmetic flips to full gut jobs across Alabama.
Yes. SLA Capital funds Fix & Flip bridge loans throughout Alabama — Huntsville, Birmingham, Mobile, Montgomery, Tuscaloosa, and every other AL metro. Rates 9.5–12%, up to 100% LTC for premier borrowers.
As little as 72 hours from application to funding when the title is clear and the file is complete. Average close across all Alabama Fix & Flip loans is 7–10 days.
SLA Capital finances 100% of rehab costs on Alabama Fix & Flip loans. Funds are disbursed via draws after inspection of completed work. Photo-and-invoice draw requests run through our platform for same-day approvals.
Every Alabama metro. High-volume markets: Huntsville, Birmingham, Mobile, Montgomery, Tuscaloosa. Secondary markets welcome — send us any Alabama property.
Alabama is a top cash-flow state in the Southeast. Huntsville tech and defense growth anchor sustained rental demand. Birmingham offers deep SFR inventory at affordable basis. Non-judicial foreclosure and landlord-friendly law keep holds projectable.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Alabama investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Ground-up construction loans for Alabama builders. 85% land + 85% build. $100K–$7.5M.