Hard Money Directory

Hard Money Lenders in Charlotte, NC

Find the best hard money lenders in Charlotte, NC. Compare rates, LTV, funding speed, and loan types from lenders who actively fund deals in the Charlotte metro area.

7 Lenders
8.9% Lowest Rate
5d Fastest Close
90% Highest LTV

Southeast Bridge Lending

High LTV
Charlotte, NC • Funds in 7-10 days • $250k–$5M

Specializes in larger bridge and construction loans across the Southeast. Higher minimums but some of the best rates in the Charlotte market.

BridgeConstructionCash-Out Refi
8.90%
from rate
85%
max LTV
7d
fastest close
Rate: 8.90%–11.50% LTV: 70%–85% Loan: $250k–$5M
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Lima One Capital

National Lender
Charlotte, NC • Funds in 10-14 days • $75k–$5M

National private lender headquartered in Greenville, SC. Specializes in fix-and-flip, bridge, and rental portfolio loans for real estate investors across the Southeast and nationwide.

Fix & FlipBridgeConstructionRental / DSCR
9.00%
from rate
90%
max LTV
10d
fastest close
Rate: 9.00%–13.00% LTV: 60%–90% Loan: $75k–$5M
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Queen City Capital Group

Local Expert
Charlotte, NC • Funds in 5-10 days • $100k–$3M

Charlotte-based hard money lender with deep expertise in the Queen City market. Handles everything from single-family flips to multi-unit developments.

Fix & FlipBridgeConstruction
9.50%
from rate
85%
max LTV
5d
fastest close
Rate: 9.50%–12.50% LTV: 65%–85% Loan: $100k–$3M
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Kiavi

Tech-Driven
Charlotte, NC • Funds in 7-14 days • $100k–$3M

Technology-driven private lender (formerly LendingHome) offering fast pre-approvals and competitive rates for fix-and-flip and bridge loans nationwide.

Fix & FlipBridge
9.50%
from rate
90%
max LTV
7d
fastest close
Rate: 9.50%–13.50% LTV: 65%–90% Loan: $100k–$3M
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CoreVest Finance

Portfolio Specialist
Charlotte, NC • Funds in 14-21 days • $150k–$50M

Large-scale private lender focused on portfolio and bridge loans for experienced investors. High loan ceilings for multi-property deals.

BridgeRental / DSCRConstruction
8.99%
from rate
80%
max LTV
14d
fastest close
Rate: 8.99%–12.50% LTV: 60%–80% Loan: $150k–$50M
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RCN Capital

Nationwide
Charlotte, NC • Funds in 10-15 days • $50k–$2.5M

Connecticut-based nationwide private lender specializing in fix-and-flip, bridge, and long-term rental financing for real estate investors.

Fix & FlipBridgeRental / DSCR
9.24%
from rate
85%
max LTV
10d
fastest close
Rate: 9.24%–12.99% LTV: 60%–85% Loan: $50k–$2.5M
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Carolina Private Lending

Charlotte, NC • Funds in 7-10 days • $50k–$1M

Statewide North Carolina lender serving both Raleigh and Charlotte markets. Competitive rates for borrowers with local experience.

Fix & FlipBridgeCash-Out Refi
10.00%
from rate
80%
max LTV
7d
fastest close
Rate: 10.00%–13.00% LTV: 60%–80% Loan: $50k–$1M
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