Charlotte Hard Money Lender
Fast, flexible hard money loans for Charlotte real estate investors. Fix & flip, DSCR, bridge, and construction financing across the Charlotte metro.
48
States We Lend In
7 Days
Fastest Close Time
9.99%
Rates Starting At
4.9/5
Client Rating
Why Charlotte Investors Choose Us
Charlotte's banking-driven job growth and affordability relative to other Sun Belt metros make it a standout for both flips and long-term rentals.
Investor-First Lending
We lend on the deal, not your W-2. Asset-based underwriting means Charlotte investors get answers in hours, not weeks.
Fast Closings
Close in as fast as 7 days. Our in-house underwriting means no delays — win deals other buyers can't.
Personal Service
Work with real humans, not algorithms. A dedicated account executive guides every Charlotte deal from term sheet to closing table.
Hard Money Loans for Charlotte Investors
Comprehensive financing solutions for every Charlotte real estate investment strategy.
Fix & Flip Loans
Up to 90% LTC and 100% rehab financing for Charlotte investment properties. Close in as fast as 7 days.
DSCR Rental Loans
No income verification. Qualify based on property cash flow — a great fit for Charlotte's rental market.
New Construction
Ground-up construction financing for single-family and multi-unit projects throughout the Charlotte area.
Bridge Loans
Quick bridge financing to acquire Charlotte properties before your exit strategy is finalized.
Serving the Entire Charlotte Metro
From uptown Charlotte to the fast-growing suburbs on both sides of the state line, we fund investment deals across the region.
Plus all other Charlotte-area communities. We lend in 48 states from our San Diego headquarters.
Talk to Our Charlotte Lending Team
Lending in Charlotte, NC
100% remote closings — no office visit required. Funded from our San Diego headquarters.
Phone
(619) 369-4444Hours
Monday - Friday: 8am - 6pm PT
Weekends: By Appointment
Charlotte Hard Money Loan FAQs
Common questions from Charlotte real estate investors.
What areas of Charlotte do you serve?
We fund deals throughout the Charlotte area including NoDa, South End, Ballantyne, Concord, Gastonia, Huntersville, Matthews, Mint Hill, and all surrounding communities in North Carolina.
How fast can you close on a Charlotte property?
We can close in as fast as 7 days for straightforward deals. Most Charlotte transactions close within 10-14 days.
Do you require Charlotte real estate experience?
No. We work with first-time investors and experienced flippers alike. Our team can guide you through your first Charlotte investment.
What are your rates for Charlotte hard money loans?
Rates start at 9.99% depending on experience, property type, and loan-to-value. Contact us for a custom quote on your Charlotte project.
Do you fund DSCR loans in Charlotte?
Yes! We qualify based on property cash flow, not personal income — a strong fit for Charlotte rental investors.
Ready to Fund Your Charlotte Investment?
Get a free quote in minutes. Our team is standing by to help with your next Charlotte real estate deal.