MCL Private Lending is a direct private money lender that was established to provide time sensitive, creative, short term financing to builders, developers, and real estate investors.
MCL Private Lending is Nashville’s leading direct, private money lender. Based in Brentwood, Tennessee, MCL Private Lending was established in 2014, when the founding partners saw a need in the Middle Tennessee market for creative, situational financing due to unprecedented growth and opportunity. MCL began providing experienced real estate investors with a reliable source for capital.
MCL Private Lending applies draws only to its construction loans, and it uses a photo-based, borrower-submitted verification rather than a third-party physical inspection. The borrower first submits a renovation timeline for approval. Then, for each draw, the borrower emails a request to the draws inbox, including updated photos of the property and the most recent completed renovations. MCL reviews the request and, once approved, disburses the funds as a reimbursement for completed work. Because the verification is photo-based, this functions like a virtual draw process.
MCL does not publish a specific per-draw turnaround, so that is worth confirming for a given project. On closing, MCL says it can close same day, in as little as 24 hours when it has the required information. As a small, in-house Nashville-area lender, MCL underwrites, approves, and funds all loans internally.
MCL Private Lending is a direct, in-house private lender serving the greater Nashville area (roughly a 50-mile radius) and Middle Tennessee, with three loan classifications: bridge, construction, and transactional financing for investment purposes only.
• Bridge loans, which do not use draws, for short-term acquisitions and holds.
• Construction loans, which use a draw feature to fund renovation as work is completed.
• Transactional funding, paid off within 24 hours of closing, priced through origination points.
MCL Private Lending is a direct, in-house private money lender headquartered in Brentwood, Tennessee, serving the greater Nashville area (about a 50-mile radius) and Middle Tennessee. Founded in 2014, it offers bridge, construction, and transactional loans for real estate investment purposes only, to flippers, builders, developers, landlords, and wholesalers. It is a member of the American Association of Private Lenders (AAPL) and sponsors REIN and TN REIA, and operates under NMLS ID 1804828.
