Loan Close Time: Within 24 Hours
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.
If you have a Construction Loan you will have available draws for renovation costs on the property. You will initially be required to submit a renovation timeline for approval. To access your draws, submit all draw requests via email to: Draws@mcl-pl.com. Your draw must include updated photos of the property and the most recent renovations that have been completed. The draw request will then be reviewed and once approved your funds will be dispersed.
Specializing in Short Term Financing
MCL specializes in short term financing in the Greater Nashville Area (approximately a 50-mile radius outside of downtown Nashville). We provide time sensitive, creative, short-term financing to house flippers, builders, developers, landlords, wholesalers and real estate investors in the Greater Nashville Area.
Fast, Flexible and Reliable Financing Solutions
Real estate opportunities come and go quickly in the Nashville area. A lack of liquidity in the credit markets and increased regulation of the banking industry has greatly restricted conventional financing as an option for investors in the fast-moving and competitive Nashville real estate market.
Whether it’s a quick purchase of a potential house flip, an investment property or any real estate transaction, MCL Private Lending specializes in providing fast, flexible and reliable alternatives to traditional bank financing to provide investors the critical capital necessary for opportunities in a given marketplace.
MCL Private Lending can help offer real estate investors short-term, non-traditional financing, with expedited, same-day closings.
If you have any questions about Terms and Conditions, You can contact us:
Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.