South Carolina Hard Money Lenders

Need a hard money loan secured by real estate in South Carolina? This page has a list of direct hard money lenders that offer quick funding for a South Carolina property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan. Scroll to see the list of lenders.
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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%
Yieldi

Direct, Reliable Lender for Investment Properties

$500,000 - $25,000,000
6 to 24 months
10.00% - 14.00%
1.00% - 4.00%
i Fund Cities

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

$75,000 - $15,000,000
6 to 360 months
9.50% - 12.00%
1.00% - 3.00%
Coastal Equity Group

Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.

$125,000 - $3,000,000
12 to 360 months
10.00% - 12.00%
1.50% - 3.50%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
6.25% - 12.10%
0.25% - 2.50%
Kiavi

Servicing 18,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
6.62% - 12.45%
LendingOne

Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide

$70,000 - $50,000,000
9 to 360 months
0.75% - 1.99%
Gelt Financial, LLC

Creative Private Financing for Commercial Real Estate since 1989

$50,000 - $3,000,000
12 to 60 months
11.00% - 14.00%
1.00% - 3.00%
Dunmor

Do More With Dunmor

$100,000 - $15,000,000
6 to 24 months
6.75% - 12.00%
1.00% - 2.00%
Capital Funding Financial

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

$250,000 - $100,000,000
6 to 360 months
6.50% - 12.49%
1.50% - 3.00%
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%
RBI Private Lending

Direct lender for Bridge Laons, Fix and Flip and Construction. Foreign nationals and new investors welcome.

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

Direct Lending for Residential Property Investors - Bridge, Rehab, Construction

$100,000 - $3,500,000
6 to 24 months
7.99% - 12.00%
1.00% - 3.00%
Residential Capital Partners

100% Financing for Residential Rehab Projects (NO Money Down)

$75,000 - $1,250,000
1 to 9 months
10.00% - 11.90%
2.00% - 3.00%
Certain Lending

The Mortgage Company Built for Real Estate Investors

$100,000 - $4,000,000
6 to 360 months
6.25% - 11.75%
0 - 3.00%

South Carolina Hard Money Interest Rates

lightning docs logo

According to the hard money loan documents software company, Lightning Docs, the average interest rate for South Carolina hard money loans in the 2nd quarter of 2025 was 10.82%. The average loan amount was $568,199. These stats are the average of 137 short-term loans (including bridge, rehab, and ground-up construction) funded for properties in South Carolina between April 1, 2025 and June 30, 2025 by multiple hard money lenders 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 South Carolina hard money loans in the 2nd quarter of 2025 was 10.87%. Lenders charged an average of 2.8% points (origination fee). The average LTV (loan-to-value) for hard money loans in South Carolina was 64%, and the average loan amount was $293,590. These stats are the average of all the loans which were funded between April 1, 2025 and June 30, 2025 by the many hard money lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Top 10 South Carolina Hard Money Lenders

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According to Forecasaâ„¢, here are the Top 10 Hard Money Lenders ranked by the number of loans* originated in South Carolina from January 2025 to March 2025.

  1. Kiavi funded 110 loans
  2. Pic Fund I LLC (Rehabwallet) funded 48 loans
  3. i Fund cities funded 38 loans
  4. ROC Capital funded 37 loans
  5. American Heritage Lending LLC funded 36 loans
  6. RCN Capital LLC funded 33 loans
  7. Lima One Capital funded 26 loans
  8. New Vision Trust/Custodian funded 26 loans
  9. Velocity Commercial Capital funded 25 loans
  10. Windstone Private Lending LLC funded 24 loans

* The number of loans funded are approximate and includes long-term rental loans.

Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..

South Carolina Hard Money Loan Volume

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According to SFR Analytics, here is the approximate quarterly volume of loans secured by investment real estate in South Carolina which were funded by hard money lenders from January 2024 to December 2024.

  • Approximately $260,559,996 of hard money loans were funded in the 4th quarter of 2024 for 470 borrowers.
  • Approximately $258,454,054 of hard money loans were funded in the 3rd quarter of 2024 for 516 borrowers.
  • Approximately $228,647,990 of hard money loans were funded in the 2nd quarter of 2024 for 520 borrowers.
  • Approximately $228,701,268 of hard money loans were funded in the 1st quarter of 2024 for 483 borrowers.

Below are the approximate hard money loan volume amounts for South Carolina’s metropolitan areas:

Charleston-North Charleston, SC

  • 2024 Q4: $120,035,684 for 109 borrowers
  • 2024 Q3: $94,579,200 for 118 borrowers
  • 2024 Q2: $94,794,407 for 129 borrowers
  • 2024 Q1: $73,127,185 for 104 borrowers

Columbia, SC

  • 2024 Q4: $27,415,976 for 86 borrowers
  • 2024 Q3: $31,720,026 for 108 borrowers
  • 2024 Q2: $30,316,859 for 94 borrowers
  • 2024 Q1: $28,397,159 for 93 borrowers

Greenville-Anderson-Greer, SC

  • 2024 Q4: $41,761,296 for 98 borrowers
  • 2024 Q3: $50,963,840 for 101 borrowers
  • 2024 Q2: $49,794,270 for 117 borrowers
  • 2024 Q1: $44,316,105 for 108 borrowers

 

SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..

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