AHP Capital

What AHP Capital does

AHP Capital is a privately held hard money lender headquartered in Decatur, Georgia, that originates short-term real estate loans to individual investors and small operators exclusively in the metro Atlanta market. Founded circa 1998 by David Dick and Jim Cantrell, the company was built around vertical integration spanning construction, property management, sales, and lending, with the founders' combined commercial real estate, appraisal, building, and property management experience positioned as a core underwriting advantage.

The company operates six distinct loan products: Fix and Flip (rates from 9% interest-only, 6-12 month terms, up to 75% of after-repaired value), New Construction, ADU Special (second-position capable), Fix and Keep (with conversion to 8% fixed 30-year financing via a licensed mortgage lender partner), Refinance (up to 70% LTV cash-out), and Commercial. Underwriting, processing, title, and closing are handled through a four-step process with closing attorney involvement; closings can reportedly be completed in as little as two days.

AHP Capital generates revenue primarily through interest income on its loan portfolio and origination-related fees, with a secondary revenue stream from refinance conversions through its mortgage lender partner. Distribution is direct-to-borrower via the company website (ahpcapital.net), online application, phone, and email. The firm is founder-owned, employs 11-50 people, has no disclosed institutional capital, no subsidiaries, no M&A activity, and no geographic expansion beyond metro Atlanta.

Name

AHP Capital

Legal name

AHP Capital

Website

https://ahpcapital.net

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

AHP Capital is a privately held hard money lender in metro Atlanta that originates short-term real estate loans across six products (fix-and-flip, new construction, ADU, fix-and-keep, refinance, commercial) for individual real estate investors and small operators, founded in 1998.

Ownership category

akta.pro rank

Product category

Hard Money Real Estate Lending

NAICS

Finance and Insurance (52)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Hard money lending
• Real estate loans
• Fix and flip financing
• Private money lending
• Bridge financing

Headquarters

HQ city

Decatur

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income on Loans: AHP Capital generates revenue primarily through interest charged on hard money loans. The company offers interest-only loans at rates starting from 9%, with typical terms ranging from six months to one year. For fix-and-flip loans, borrowers typically receive 75% of the after-repaired value of the project.
2. Loan Origination Fees: The company collects fees associated with loan processing, including closing costs and lender title insurance fees. The loan process includes underwriting fees, appraisal costs, and title work handled by a closing attorney.
3. Refinance Revenue: Through partnership with a licensed mortgage lender, AHP Capital offers fix-and-keep loans that can be converted to long-term financing (8% fixed rate, 30-year terms), generating revenue from the refinancing component of their borrowers' financing lifecycle.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

AHP Capital is a private hard money lender providing short-term real estate financing to investors in the metro Atlanta market. The company offers six loan products — Fix and Flip, New Construction, ADU Special, Fix and Keep, Refinance, and Commercial — covering purchase, rehabilitation, construction, and cash-out scenarios for residential and small commercial investment properties. Loans are interest-only, typically structured for 6–12 month terms at rates starting from 9%, with funding of up to 75% of after-repaired value.

Product overview

AHP Capital is a private money lender offering six distinct real estate loan products for investors in metro Atlanta. The product portfolio includes Fix and Flip (their most popular product for purchasing and rehabbing distressed properties), New Construction (for building on raw land or replacing existing houses), ADU Special (for accessory dwelling units), Fix and Keep (for long-term property holding with refinancing options), Refinance (for cash-out or replacement financing), and Commercial (for commercial structures). All products are designed as short-term hard money loans with quick processing and flexible terms tailored to real estate investors.

Differentiator

Problem solved

Functional benefit

Products and services

• Fix and Flip Hard money loan for purchasing and rehabilitating distressed properties for resale. Rates from 9%, terms from 6 months to a year, typically covering 75% of after-repaired value (ARV) of the project with interest-only payments. For real estate investors in metro Atlanta.
• New Construction Loan for building new homes on raw land or replacing an existing house with new construction. Term typically a year to accommodate planning, surveys, architectural plans, site review, and permitting, with flexible draw schedules. For real estate investors in metro Atlanta.
• ADU Special Accessory dwelling unit financing for adding fully functioning secondary homes (typically 750–800 sq ft) to existing properties for rental income generation. Can lend in second position to a first mortgage. For real estate investors in metro Atlanta.
• Fix and Keep Short-term construction loan for buying and repositioning distressed property for long-term hold as rentals. Through partnership with a licensed mortgage lender, the loan can convert to permanent financing at 8% fixed rate for 30-year terms once repositioning is complete. For real estate investors in metro Atlanta.
• Refinance Cash-out or replacement financing for rental properties, raw land, or projects in inventory. Provides cash out up to 70% of current property value regardless of condition. For property owners in metro Atlanta.
• Commercial Loan product for commercial structures including small office buildings, convenience stores, storage facilities, or small apartment complexes. Used to purchase and reposition distressed commercial properties for sale or permanent financing. For commercial property investors in metro Atlanta.

Quantifiable outcome

• Close deals in as little as two days when other lenders back out
• +2 more outcomes

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Patch of Land: Patch of Land is a hard money lender to real estate investors offering fix-and-flip and rental property loans. Comparable in core product and borrower profile, with broader geographic reach than AHP.
• Kiavi: Kiavi (formerly LendingHome) is one of the largest tech-enabled hard money lenders in the U.S., focused on fix-and-flip and rental property financing for real estate investors. Directly comparable to AHP's core fix-and-flip and new construction products, though Kiavi operates nationally versus AHP's Atlanta-only footprint.
• CoreVest Finance: CoreVest (now part of Redwood Trust) is a direct private lender to residential real estate investors, providing fix-and-flip, single-family rental, and portfolio loans. Closely comparable to AHP's fix-and-flip and fix-and-keep offerings.
• RCN Capital: RCN Capital is a private money lender offering fix-and-flip, new construction, and rental portfolio loans to real estate investors. Directly comparable business model, similar borrower segments, and overlapping loan products with AHP.
• LendingOne: LendingOne is a private money lender providing fix-and-flip, new construction, and rental property loans to real estate investors. Similar hard money model and target borrower base as AHP.
• Lima One Capital: Lima One Capital is a direct private lender to real estate investors, offering fix-and-flip, new construction, and rental (DSCR) loans. Closely aligned with AHP's product suite and borrower profile, though operating across multiple states rather than a single metro.
• Groundfloor: Groundfloor is a real estate investment and lending platform offering fix-and-flip loans to individual investors. Comparable in product offering, with a more tech-enabled, self-service application experience than AHP's relationship-driven model.
• Visio Financial Services: Visio Financial is a private money lender specializing in fix-and-flip, rental portfolio, and bridge loans for real estate investors. Closely comparable business model, borrower profile, and product structure to AHP Capital.

Broad incumbents

• NewRez (Shellpoint Mortgage Servicing): NewRez is a national mortgage lender with non-QM and investor-focused loan programs including fix-and-flip products. Adjacent to AHP's business but operates at much larger scale and broader product scope.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM mortgage lender offering fix-and-flip, DSCR, and bank statement loans. Overlapping product categories with AHP, but operating as a larger, multi-product mortgage platform rather than a focused hard money lender.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/AhpCapital
• Facebookfacebook.com/ahpcapital
• LinkedInlinkedin.com/company/ahp-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AHP Capital