We help borrowers secure private Atlanta residential construction loans and commercial loans.


Our Story

Southern Resource Partners was founded in 2013 as a response to post-recession borrowing needs. The SRP brand is a culmination of professionals bringing together over a century of combined experience in the real estate industry. The company delivers a unique approach to private money lending. With roots in residential loans for home builders, we understand the lending process from a builder/borrower’s perspective. Our goal in every partnership is to create a faster, more personalized borrowing experience than traditional banks. We make it a point to meet directly with every borrower, review the deal in-depth, and take a common sense approach to underwriting. As a direct private money lender, all approvals are done in-house. This allows us to meet quick-turnaround requirements and secure funding for borrowers in a timely manner – no matter the circumstances.

Why Partners Love Working with SRP

We don’t choose partners lightly.

SRP is a long-term partner for borrowers – and we value quality relationships over quantity. We take extra care to ensure every partnership will be fruitful for years to come. 

We prioritize timeliness in closings.

We’ve personally experienced the challenges and obstacles in the lending/borrowing process – and understandhow to navigate them to secure fast and accurate closings.

We have decades of experience in lending AND building.

The SRP team has worked on both sides of the real estate investing process. We know what it takes to secure proper funding and complete projects efficiently. When borrowers partner with us, they are supported from end to end. 

We’re well connected in the local lending and construction community.

Our team brings over 100 years of collective experience in building and business. We have a vast network of local money resources, trades, areas, and deals – which are all passed on to our partners. 

We’re an all-inclusive resource.

SRP is not your typical private money lender. We’ve been in the industry for decades and bring a wealth of insights, experience, and match-making abilitiesto every project. 

We under-promise and over-deliver.

We’ve never been big talkers at SRP, we prefer to let results speak for us. No false promises, sugarcoating, or anything else.

Get to know us

Meet the SRP Team

SRP Team Photo

Seated L-R: Mike Ray and Geoffrey Deckelbaum. Back row L-R: Rebecca Patten, Howard Smithson, Melissa Bannister, David Ray and Jessica McCoy. 

Mike Ray

Michael Ray
Private lender and co-founder of SRP Lending

Michael started his entrepreneurial journey in 1979, founding The Housing Group. Renowned for its craftsmanship and meticulous attention to detail, The Housing Group built and sold over 4,000 houses within some of Atlanta’s most sought-after locations for various lifestyles and price ranges. The company provides well-designed homes inside beautiful communities. It was awarded 26 Obie Awards by the Greater Atlanta Home Builders Association for building and marketing excellence, as well as six Atlanta Agent Choice Awards, five Southern Crescent Awards and the Consumers Choice Award for Building Excellence.

In 2011, Ray began making hard money loans and formed SRP Lending in 2020 with the help of Gary Unell and Geoffrey Deckelbaum. SRP provides bridge loans, new home construction loans and time-sensitive real estate loans to funnel the purchase of non-owner-occupied residential properties.

Geoffrey Deckelbaum

Geoffrey Deckelbaum
Private lender and co-founder of SRP Lending

Geoffrey has over two decades of experience in the real estate finance industry, including 12 years of real estate lending for a large financial institution and 10 years of hard money lending in the residential development and construction space. The experienced real estate lender has lived in the Atlanta area since 1994 and holds a degree in finance and marketing from Emory University.

Deckelbaum worked as an SVP at Bank of America, where he was responsible for originating and managing a portfolio of loans for residential developers and builders. While working at the financial institution, Deckelbaum originated over $2 billion in new loans and managed a portfolio of $500 million in outstanding balances with clients in Georgia, Florida, Texas, New Jersey and New York.

After leaving Bank of America, Deckelbaum became a private lender in Atlanta and, from 2011 to 2019, was a direct provider of private funding for real estate investment transactions. As a hard money lender, the company provided real estate debt for situations where traditional financing sources could not meet the borrower’s needs. Such situations include investment property acquisition, new home construction loans to experienced builders, commercial owner-occupied and non-owner-occupied properties, and small office, retail or industrial properties.


Our Promise to Every SRP Partner


Unlike traditional banking, private money loans don’t havestrict guidelines and formalities. This means SRP can process closings in a matter of days, rather than months.


SRP operates on a local level – and we’re highly invested in our partners’ projects. Our experts advise on everything from the funding and planning stage through building and completion.


Our goal with each partnership is to foster a long-term relationship. We’ll negotiate fees, requirements, interest rates, and more to ensure we create a win-win situation.


SRP promises 100% transparency throughout the entire private money loan process. We do everything possible to streamline the borrowing experience from start to finish.

How Can We Help Secure the Private Money Funding You Need?

Book a consultation today.

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