North Carolina Private Money Lenders for Real Estate Investors

Seeking a private money loan secured by real estate in North Carolina? On this page you'll find a list of direct private money lending companies that offer fast funding for a North Carolina property purchase, refinance, or equity cash out in 1st lien position. Private money loans are for short-term (3-24 months) and primarily qualify based on equity in the subject property, at least 30% for most lenders. Scroll below the lender list.
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RBI Private Lending

Direct lender, specialized in Bridge, Fix and Flip and Construction. FN and new investors welcome.

$75,000 - $5,000,000
3 to 24 months
9.00% - 12.00%
1.00% - 2.00%
Bayport Funding

Balance Sheet Lender for Residential & Multifamily Real Estate Investors

$200,000 - $6,000,000
12 to 24 months
11.00% - 12.00%
1.25% - 2.00%
Center Street Lending

Smarter Loans for Residential Property Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
Gelt Financial, LLC

Creative Private Financing for Commercial Real Estate since 1989

$100,000 - $3,000,000
12 to 60 months
10.00% - 13.00%
3.00% - 5.00%
Old North Capital Fund, LLC

True asset-based financing | No credit check, No appraisals, No prepay

$100,000 - $2,500,000
6 to 12 months
11.90% - 13.00%
2.00% - 4.00%
Capital Funding Financial

Direct Lender for Investment Real Estate - 7 Day Closings - Low Rates

$100,000 - $50,000,000
6 to 360 months
6.50% - 12.99%
1.50% - 3.00%
IceCap Group

Flexible & Friendly Funding for Property Investors Across the Country

$50,000 - $10,000,000
12 to 18 months
7.00% - 12.50%
1.00% - 4.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
LendingOne

Rental, Fix & Flip, Construction & Multifamily Bridge Loans Nationwide

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
Stormfield Capital, LLC

Direct Balance-Sheet Lender for Investment Properties

$250,000 - $10,000,000
6 to 36 months
8.50% - 11.99%
0 - 2.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Coastal Equity Group

Direct Private Lender for Real Estate Investors in the Southeast

$100,000 - $3,000,000
12 to 360 months
10.00% - 12.00%
1.50% - 3.50%
Pimlico Capital

Direct Lender for Real Estate Investors | Established in 2016

$75,000 - $5,000,000
3 to 360 months
10.50% - 12.00%
2.00% - 3.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
i Fund Cities

Great F#*%ing Loans, Built By Investors For Investors

$75,000 - $15,000,000
6 to 360 months
7.00% - 12.00%
1.50% - 4.00%
Park Place Finance

Nationwide Direct Private Lender for Residential Real Estate Investors

$100,000 - $2,500,000
12 to 23 months
9.99% - 12.99%
1.50% - 3.00%
Yieldi LLC

Direct Lender for Investment Properties - Bridge, Rehab, Construction

$500,000 - $5,000,000
6 to 24 months
10.00% - 14.00%
1.00% - 4.00%

North Carolina Private Money Interest Rates

lightning docs logo

According to the private money loan documents software company, Lightning Docs, the average interest rate for North Carolina private money loans in the 4th quarter of 2023 was 11.39%. The average loan amount was $355,786. These stats are the average of 166 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in North Carolina between October 1, 2023 and December 31, 2023 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.

 

analytics logics logo

According to private lending data provider, Analytics Logics, the average interest rate for North Carolina private money loans in the 4th quarter of 2023 was 10.69%. Lenders charged an average of 2.5% points (origination fee). The average LTV (loan-to-value) for private money loans in North Carolina was 63%, and the average loan amount was $213,729. These stats are the average of all the loans which were funded between October 1, 2023 and December 31, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

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